Well, I had automatic payments set up for the credit card payments. The payment was raised, and part of the payment was paid on time and part 2 days after the due date, they raised my rate from 9.99% to 17.49% the first person I spoke with would not consider decreasing the periodic rate. They have given me another phone contact number to call to disucss this after the holidays are over. I have been fairly conisitent paying my credit bills. In the last three years I have had this debt accumulation. I do have an appreciable amount now. How can I gain control again over my financial life?

I live in Texas and received a phone call from NES this morning about about a $3233 debt from a credit card company (Sears). I do owe the debt b/c I forgot about it (I have clinical depression and forget to pay bills sometimes...(an excuse, I know, but it's true.) I have not received any notification about this collection agency, but the person I talked to said they've been sending me stuff in the mail. They also called a work phone # that I haven't had in 3 years.

Yet another problem with this company. I closed the original account where they made deposits and withdawals to. I have 2 other accounts joint with other people. Now, this company has gone into one of those accounts and took $590!!! Can they do this? I never ever game them authorization to go into that account, they wouldn't even have a copy of a cancelled check or anything. The money they took wasn't even mine. I have filed a dispute with the bank but it will take a few days to even get it back into the account.

A few years ago I had outstanding credit while being in the military, after getting out a lot of bills didn't follow me. Years continued to pass me by then suddenly I was being hit with constant calls and threats from debtors I didn't remember having. I decided to make amends then was involved in an auto mobile accident that left me unable to work for approximately 6-9 months. Thus adding even more debt, hospital bills etc. I have since made several attempts to make payment arrangement with certain companies, yet it seems as though I am making no headway what so ever.

Hi, My wife recently began receiving phone calls from asset acceptance llc regarding a debt we have no idea about. We then received a letter stating the same accusation made by the person who called. In response, I sent a letter requesting "debt validation", which I've used in a similar situation for myself with another collection scam. Asset Acceptance LLC responded by letter with a one page "Account Statement" that lists my wife's name, amount owed, interest accumulated, and balance owed.

Has anyone had experiences with Credigy and MRS associates? I would like to hear about them. Are these companies related? Thanks.

i sent 45.00 check for a credit card to usa credit of one millennium dr, uniontown, pa 15401 and got a card from usa credit that usamemberbenefits.com/creditbuilder/mts but all i see is a mortgage info. can you tell me what this is?

In June 2003 I bought my 18 year old son a Verizon cell phone. He is now 21 and unfortunately, alienated from me. He has apparently become delinquent with his cell phone and this has shown up on my credit report. Am I responsible for his debt?

has anyone talked to a live person at Loanshop Khaki Funding? Has anyone been able to stop the charges from coming out of your accounts?

I have recived mail from your company and I am not sure why I would be picked for anything that could possibly bring better luck into my life. I have no special qualities just one of the bi.llions of working poor here in the graet American dream.