a collection agency sent a settlement letter to me giving me until April 17th 2007 to pay in full. However the debt is well over three years old. What letter should I use to repond to them they have stressed that they are going to get a judgement against me if i dont pay in full by April 17, 2007.

As some of you may know, one of our members here is about to have a baby! :D But she has virtually nothing for the baby, and doesn't have the money to get the needed items. She is in need of a stroller, car seat, crib, baby boy clothes, blankets, bassinet, toys, and a bunch more things that I don't know she needs because I've never had a baby. If anyone has any baby items that are no longer needed and they can donate it would be much appreciated. Anything at all would be a help.

I have a credit card a few years old and am trying to find out if the statute of limitations starts with last payment or the charge off notice from the cc company. I assume I can last payment or charge off listed on a credit report?

I need to have by next week a solution to $6,000 collection. they are not wanting to take payments, i know that they don't like that and i know that it is my right to ask for payment that will be reasonable.

And HOLY SCHMOLY! I don't understand how a $4,000 charge off can go up to $9000 and NOW it's up to $12,500!! Is that legal?? Also, they have Bank One as the original creditor, i've NEVER had an account with Bank One, it was always with Chase... Is there any chance of this amount changing from now until we go to court? Will it go up even more? I think i'm gonna be sick now!

I had just turned 18 and was loving the idea of having a credit card, but one just wasn't enough for me. I needed even more than two, and wound up with three credit cards. I started buying pricey things until all three were maxed out, and I had no way to pay them off along with a cell phone and car. Do not fall into the same trap.

I got myself into some financial trouble due to a divorce. While the divorce was going on I had to take several payday loans out. I now have 4. The fees are eating up my bank account. There is no way I can recover. I am located in Pennsyvania. The companies are CashnetUSA, E-payday,OneStepCash,Geneva Roth. In one paycheck I pay $360. What can I do? From what I read it's not legal in my state to charge these fees. Please help. Thank you

I am working in a bank.therefore i would very much appreciate if u could send me some business letters in respect of customer correspondence emphasising more on advances and overdues.

I am looking for a good recipe for chili.....anyone have a good one? Mine is a bit too bland......... :D

My first mistake was opening a credit card the day I turned 18. Who knew a $400 limit could wind up with me paying hundreds a month for the interest 4 years later? Second mistake was continuing to open credit cards to develop credit. I now have a school loan, three credit cards, a wireless phone company and an apartment complex calling 200 times a day. I pay what I can with another person, but it's so difficult. I have to work two jobs in order to pay rent alone, I don't want to end up with hundreds of thousands of dollars in debt years from now.