This isn't really regarding a collection agency, but since I am usually on this forum I will ask your opinion. A couple of years ago, we closed a credit card account and had an agreement to pay it with 0 interest. All good - we paid it off, and I got a letter that is was closed. Recently we got a letter that MBNA was consolidating with another company, welcome etc. I went on line & it shows that my account is ready to use. I figure it was prob from the changeover. I don't even have a current card for this account, and I don;t want one.

Hi All, I have an issue. Back in July I became 60 days late on paying my lease for my car (for reasons I wont bore you with). I was exactly 61 days late on my payment, and they exercised their contractual right to take back the car. I had the car for a total of 7 months. Ok. That sucked.

I have managed to get myself in a credit card debt of approx. $4,800 dollars. I am about 3 months behind on my bills. I also have $1290 in pay day loans. I need help please...

Hi All, I just got an email from e-Payday-loan.com. I had defaulted on their $350 loan after paying $50 in principle and $630 in interest. I emailed them the letter from Polly's blog, and quoted NY usury laws, as I am a NY resident. (Payday loans are illegal in NY) They emailed me back saying I applied with a Kentucky address !! Kentucky? Now what? Thank you.

ive got palisades collection llc comming after my wife for money for an at&t account that i have called on and it says its in zero what can i do?

Hello, I have an old Sprint bill that is now in collections with allied interstate for $421.38. I recieved a single payment settlement offer of $294.97. Should I take it or not. Ive done this this before with a car and years later when i tried to get another car it looked as though i hadnt paid off the debt on my credit report. If i take the settlement offer what type of documentation should i ask for so that the debt will be settled on my credit report? Or could i bypass them all together and pay sprint directly with the full amount??

Until today I've never heard of allied interstate, checked my messages from campus and called but got someon's voice mail. Where can I find the information on states that are either one party or two party? If someone here knows or has this info, would they please post it!!! Thanx Much, W.W.

Approximately a year and a half ago I got into some leagl trouble which unfortunatly left me unable to pay bills. Because of this I ended up with a repossesion, several months behind on some credit cards and behind on other personal issues. Now that is all done with and I have a good paying job I need help to get back on my feet and reestablish my credit.

Does anyone have a copy of an ohio payday loan agreement that I can compare to one thaqt i have. Mine has some weird stuff in it.

I have spent the past two years rebuilding my credit, and it is now up to 722. I wrote letters, had items removed from my credit report. The biggest item removed, since the statute had passed and no one responded was for about $2,200--which i had paid via a crappy consolidation company. i refused to pay twice, so just waited it out. Well, now the old company has sold this OLD debt to a new company, and they are threatening to put it back on my report. Can they do this?