Hello all, I had mentioned in another post that Certegy and Affiliated Group were attempting to collect a debt on me that I am disputing. I saw it on my credit report before it was validated. I asked for a DV from them and all I got was a one page printout that said it was an electronic check with amount and the NSF fee. It doesn't even list a date that the check was drawn. So I don't even know if this was a legitimate NSF or when I cancelled my Netflix account if they tried to draw another monthly fee. Anyway, here is the second letter that I am sending to ACS.

Is there a reputable company you would recommend for either debt consolidation or debt settlement?

Some one toke some money out of my account

Does anyone recommend any one agency over the other for consolidating debts?

WHAT'S TAKING SO LONG? DO I NOT QUALIFY? SOMEONE HELP!

I need to contact SJM Marketing paydayloans, help...

I need pinion north, alb, new mexico, region managers name, this office keeps hanging up on me.

I was in a lot of sucky debt because of school and stupid credit cards. So I thought that I would take out some payday loans to help me get ahead but now I am TOTALLY SCREWED. I can't find addresses for some of these people and some of them won't make payment arrangements with me. They demand that I pay them my amount in full..............UM NO! I have no money that is why I took out the loan. Some of my loans are from: Route 66 Funding MTE Financial DMS Marketing B&L Marketing Do you guys have any addresses for these people?!!!!!

This all started when I had kidney stones and couldn't pay the doctor's bills that my insurance company didn't cover. Now, a year later, I have 10 payday loans that are outstanding and my bank account has been frozen.. All on top of the bills I already had. I'm not sure where to start..

So Ive decided to dispute stuff on my report. What are the next steps? What's the best address to send this stuff to? What type of letter do I send? Are there form letters I can use? Thanks