Many of us here have scavanger agencies such as NCO and Assest Acceptance putting wrong activity dates on our credit reports. That would be the "date opened" entry. So if the debt is SoL or really old it appears on your report to be as new as a few months ago. The following information was found on Hibb's site. It says this violation is not a grand per but a full $2,500 per. Many of us could make a bundle if we knew how to file. Does anybody know?

OK so I'm hopeless at math- I'm trying to write the letters to the companies and some i feel owe me refund ie paid back over 800 on a 400 loan with starlight....do I just take the CA legal rate and say you could only charge me $15 per hundred so all I should have paid was $60? And ask for the rest in a refund?? It's all a bit of mystery as according to the CA laws they shouldn't have loaned me more than $300 anyway I'm feeling really stupid at how to do this!

:Cry: i think they make you be down and out because it seems like you are living from paycheck to pay check. It is very hard being a single parent.and having to pay all those bills.

Does anyone know who entered the post about getting a refund from ICS?? I am in dear need of talking to them and figuring out how to get mine...

I purchased a car in 8/2004, I lost my job in 7/2005. I turned the car in 9/2005. A letter was sent to me stating that the car was resold and I needed to pay the balance by a certain date in September or a judgement will be placed on me. Now December 2006 small claims action has been taken against me about the remaining balance for which suppose to be owed from him selling the vehicle. Is there a certain length of time someone has before they can file a small claim action against you and if so what is it. Also am I entitled to pay the remaining balance by law.

We are sending a C/D to Allied Interstate.There are numerous addresses given in this site.Is there a particular one that should be used or does it not matter? I thought maybe to use the one closest to my own address.Any suggestions?Thank you.

Hello, all! Me in brief: I was unemployed for about eighteen months (February '04 to August '05) with fairly predictable results. After finding a job last August and having spent several months taking care of food, clothing, and shelter, I began to look into how to handle the huge debt that I had accrued to provide for myself while I was out of work. I have several accounts that are in collections, and one creditor who has a judgment against me, which I'll have paid off in a few more months.

Do you think that any of the IPDL are under 36% cap??

i need a lil time to get the number strait!

I received a letter yesterday from asset acceptance llc, and I'm quickly finding out on this site that I am not alone. However, I do have a twist. First off all, it's for a supposed AT&T debt which is non-existant (as far as I know). I have never had any debt with any company in my life and have made sure of it (besides bank/hospital loans of course). This supposed debt is for 581.48 dollars. I know this is illegitimate because I have no debt. But here's the twist.