American General sent my account to an attorney. I only owe $398 and was only 2 months behind. I know the account is mine, but I intend to send a DV letter anyway to assure that they are authorized to collect on behalf of AG. I assume collection attorneys are bound to the laws of the fdcpa and anyway the letter had the whole miranda stuff on it. Is there anything else I can send in the DV to this attorney? Has anyone been sued by AG? Right now I work two part time jobs as an independent contractor and one part time job as a employee. Can they garnish wages from an IC position?

I just recently signed up for debt settlement to help me pay off my school loand at the same time. I just graduated college and my school loans are due and with ym credit cards I can not afford to pay everything. Theerfore I put my credit cards into a debt settlement program. Did I make a huge mistake? I am only 23 and I asked and researched the program and whether it is a good idea or not. I know that it will hit my credit but i am still young and i have a good job now that I can make it after my debt is paid off. I hope I made the right decision.

The address I got on this fax I got today was midland credit management P.O. Box 939019 San Diego, CA 92193-9019 I went on the BBB of CA and saw that they have 181 complaints against them? Would someone check to see if I'm correct...That just blows my mind. Bass and Associates are slowly catching up with them!

I got a call from a Mike at this company yesterday...He is asking me if I know about the unpaid balance from First National Bank? I said Noooooooo...He said well you had a credit card back in 2000. and your balance is $638.24. Do you remember now? I'm not hmmmm let me see here that was 7 years ago. I was laughing. He's like I can make you a good deal today. If you pay 478.68 by 3/29/07 we will mark your account paid in full and will not update your credit report if the federal reporting period has expired?

I have settled a car loan with USAA in 2004 (the car was already repossessed at that time). We settled for about 60% of the outstanding balance, which I then paid off in full. They then send me a letter of settlement which stated: "This will confirm that this account was settled in full on Feb 27 2004 for 5426,41. We will cease all collection activity and advise the credit reporting agencies that the account has been settled in full. The agencies will then update their records to reflect a zero balance on the trade line." Now, I'm still banking with them for checking/savings.

I was divorced 7 years ago. In the divorce decree my ex was given the bills to pay for the home. He failed to take care of any of these items. I had judgements placed against me and now, 7 years later have attorneys and collections coming after me again to settle these items. All the bills were in my name for the home and utilities and such. As well as bank accounts. I know, stupid. I have done some research on the statute of limitations and judgements.

I would like to speak to someone in your customer Service Dept. Your company attempted to withdraw $49.95 from my account with out my knowledge. By you company making that attemp my account was charge a $29.00 fee. This company is full of SHIT!!! YOu know this is a scam b/c they do not have any real people you can contact in reference to YOUR MOney...... I am going to report you to the BBB, BELIEVE THAT!!!!!

just want to clarify...i want to settle a debt with citifinancial (citibank). I was contacted by a collection agency that said they would settle for 5 grand (original debt is 9600) I said okay but after checking here i pulled my report. They report on my credit report as a charge off. is this a case of buying a junk debt. and if i want to settle with citi should i just contact them directly or deal with this CA??? oh and they wont send a written agreement unil i agree to an electronic check. i could see that i would get screwed. newt

Well this was the first payday that the payments for my payday loans were stopped on. I sent off all my info to T&C so its in there hands now. So far I have received phone calls from 6 of my 8 payday loan companies letting me know that the payments didn't go through. All of them were "nice" on the phone when I let them know that T&C should be contacting them. Some even provided me with a fax number for them to fax the proposal into. So all my worries were for nothing. I know that I am taking a good step forward in getting out of this payday loan mess. If I can do it- you all can do it.

Had some payday loans back in the day. Got calls several months ago. The calls stopped. Just received threats for criminal prosecution from Gena Lopez of Prelegal at First National. She DID NOT identify herself with Prelitigations/Bass, whom I have dealt with in the past. However, the call was very similar as far as the threats, the ghetto-ish nature of the caller, and the refusal to dole out their phone number. Is this just the new name for Prelitigations? Anyone have contact info on Preglegal?