Which credit card companies are more likely and less likely to enter into a settlement with a debt settlement company?

I too just received a threatening phone call from someone by the name of Paul with Bass Assocs. When i called arrowhead, they said my balance was a certain balance but this paul guy said over seven hundred. he threatened to file charges on me and have me arrested for writing bad checks. arrowhead told me to call icollect but when i called they were closed. i live in the state of louisiana, who should i call. i know you said call florida but do i call those numbers listed for florida if i live in louisiana and what should i do since you say they are not authorized to make loans in any states.

ok so i got something from island national group llc and the name on it isnt even mine... my name is nikki NOT nicole and the middle initial is even different and i called this island people and they said they would get it off of my credit but yet they havent anyone else with that problem?

I just wanted to say thanks, not only to all the Mods,Debt Samaritans, and Administration, but to all who post here. There has been way too much finger pointing,you-won't- do-it-my-way, and name calling, I wanted to start something positive. Maybe now, we can get back to what this forum is intended for, to offer help and support. I don't care if you are a member, or guest,moderator-whatever. Everyone is equal and on the same playing field. As long as we don't do name calling,follow the TOS rules, and treat others with the same respect we want-this Forum will continue to grow and thrive.

I have a $150 PDL out with ameriloan(and internet PDL). I have had it out for about a month now, and I have paid around $265 on it! Well, I contacted them and they said that I still owe them $130. Is this right? I've been lurking on this site and reading about how others go to their banks and have the company blocked and I don't know if I should---not really sure what the legal interest rate/renewal policies are... I just want to get this stuff paid off (got a lot of credit card debt and 2 other PDLs...) and don't know where to start.

Hi, I'm new to this forum, so I'm not exactly sure how it works, but here's my question ... My wife and I recently took out a loan from my credit union in order to consolidate our credit card debt. We've just about finished doing that. Now, we would like to improve our credit scores (which are not good -- mistakes of youth), in order to one day be in a better position to buy a house. At the moment, we have six active accounts: Master Card 1 [my card – since 8/06 - zero balance, $750. limit] Master Card 2 [my card – since 2/06 - $3000. balance, $6000.