Looking for my account to keep track of

Had one account closed due to NSF(ALL PAID ON SAME DAY)no negative balance,actuall have an available balance. Bank says that that by law,they have to report NSF activity to CHEXSYSTEMS. Couple of questions below. How long does it usually take after account closure to wind up in CHEX? We have another bank account/different bank,9 years old,never any NSF activity,2 savings accounts at same bank,and healthy balances in all 3. What are the chances of this bank running a sweep and finding the NSF activity,when it shows up?

When a debt collectors calls you do not be scared. You can deal stright forward with theses people. I have settled two debts with bank of america at 40% of one and 50% on the other. Save yourself money and do it youself..most of them if not all will deal with you. Don't beleive the stuff you see on tv about people to scare to answer the phone.. Most other companys that claim to be able to settle your debts at 50% to 75% off are full of it........do it yourself........most of the time you can settle the debt at around 40% to 50% off. So you would be paying 50% to 60% of the debt.

I got a pay day loan off the internet. They said that they needed the bank information to see what place they could get a loan for. They came back and said all i could get was 200.00 and the company would call or send me an e-mail stating how i could pay it back. They called which no number was on caller id. The total amount would be with finance charges would be 260.00 so on 3-15-07 they put in the 200.00 into my account. On 3-19.07 the first 60.00 automatically came out. I never recieved the address or telephone number to call to say they could take out the rest.

I received a message that if I didn't come pay my payday loan by 2 pm that since it is over $300 it is a felony. If I understand the laws in my state (KY.) this is not legal for them to do. Am I right?

Hello everybody... I need help / advice badly. I have about 23,000$ of credit card debt. This is a combonation of 4 different accounts - Amex, Citi, Providian & Juniper.. I have my own business, and have really been struggling for quite some time, leaving only one option.. charge charge charge.. Up until the last 4 months, my credit has been really good (as far as making payments on time etc..) I need to figure out how to get out of debt, the fastest and most efficient way possible.. I have cut up all my cards about two months ago. How can i handle my debt?? Settlement? If so..

My bf student loan was in default. Last Feb he set up a payment plan with the collection people. He authorized them to take the payment out once a month for a year over the phone. On his 11th payment stub, it said you have "one payment left till your loan is rehabilitated." It also said to wait for written notice of that happening. He's not gotten a single thing from them in the mail since, and the collection agency isn't reporting timely to the DOE, so they took his tax refund, saying he was still in default.

Being sued by CACH, LLC, I posted questions before, but need some more help. So far, the only debt validation they have provided me with is a copy of a billing statement and some bs affadavit which I do not think is proper debt validation. Does anyone have a clue if this justifies debt validation. I could go to a notary and raise my right hand and state anything was true to, especially if I don't plan on showing up in court and validating the statement. This guys who did the affadavit is in texas, He will not show up if the case does go to court. Any advice would be greatly appreciated.

Any one ever dealt with these guys? got a bill in the mail from them, have no clue what it is for. It has never shown up on my credit report under them or any other lender. Honestly have no clue what they are trying to collect. I am sending them a cease and desist letter and a dispute letter tommorro morning via certified mail. Was just wondering if anyone else had dealings with them and what the results were?

So, I was successful in closing my account down last week and reopening a new one. When we were setting up my account they asked me if I would like to set up overdraft from my savings, and because of debt from pda's in the past, I never wanted to get into that again and I said that I would prefer to take my over draft line of credit, which was $1000, away. Well, here I am thinking that I have been a customer with them for a long time, nothing will change with them.