We had an old credit card that we stopped paying on in 2002 and have not heard a word about it since then. I called one time to find out and they said it had been written off. My husband got a phone call at work the other day (he is a teacher) and one of the other teachers in his school answered the phone in the office and took the message. They told who they were (Credit Bureau of America), case number, call back number etc. I called them and they said they had this account and that the original debt was 3100 but now its up to 6000+ with fees and interest.

Hi all, I received a letter from Thomas J. Russell Attorney at Law the other day regarding an overdue account with one of my wife's accounts from Ginny's. He states that he is representing them and is asking for payment of the amount due which is $968.15. The account is approx. 6-7 months without payments. This attorney is legit, he is in PA and I am in CA. I researched him online and he is a single lawyer with no other employees. What do you think are the chances that this lawyer could actually file a suit against my wife considering the fact that he practices in another state far away?

Please help. I have gotten a couple of calls from the number 312-385-1158. Anyone know who it is??

What is the best way to get a "pay for delete"?

Whatever you do do not use 500 fastcash. these people are thieves. they will continually go into your bank account and take arbitrary amounts of money on their own behalf even after the full amount of the debt is payed off. I contacted them to verify if they knew that they were doing this and they tried to talk me into a knot. I've been leting this go on , just to see if they would stop after the debt was payed. they just keep on taking. If you have a loan with them just close your account. Make separate arrangements with them on paying off what you honestly owe.

I got my first credit card when i was 18 and made all the payments, my credit score went up and i wound up getting 3 more cards. Now all of them are maxed out and i need help.

Can you tell me what the difference is between a judgement and a collection on my credit report?

I recently posted about a problem I was having with a CA over a debt I've been paying on for 5 years. I CMRRR'ed them a debt validation letter and they signed for it. What's my next step? Do I just wait for them to send me validation? Any advice would be appreciated.

:evil: :shock: We seem to have inherited some unsolicted advertisers. The Admins already know about it and I have put up an announcement about it in Get a loan section. Keep an eye on your boards so we can work together to clear out the clutter. Thanks, Cajunbulldog

basically my story is that I was young and thought "oh I will get a credit card for emergencies" well that was short lived. The fact of being able to go out and spend money I didnt have was a dream, and knowing that I didnt have to pay for it all right then and there. But as time went on I started to get more and more in debt, and now I am tired of making payments and not feelng like I am putting a dent into anything.... ugh.. :?