Hello. I received a letter from a collection agency today about an old credit card. The credit card was opened in 1996 and I believe that it was closed around 1998. Well the card was never placed on my credit report as being charged off, and the collection agency told me that if I did not pay the amount due then in 30 days the account was going to go onto my credit report. Does this seem right? Can they do that. It has been around 8 years since then. Help. Thanks.

Just moved to NC looking to consolidate all of my credit cards and have the creditors stop calling me.

I am a paratrooper in the 82nd Airborne division. Got deployed to Iraq for a year, and defferedmy student loan for that uear and i returned to a 200$ more a month payment which will end up costing me 21k more dollars

If you want to call it that...I've always had cc debt, and was making the minimums, but it really wasn't getting me anywhere. So I shopped around (a bit, but not too extensively) for a debt consolidation company. I'm working with Freedom Financial CCS (through CDS John Leaberry, P.A.) and have been with FFCCS since January 2006. It's been a bit bumpy, but for the most part is working ok. I pulled my report last night (I applied for a store cc, and got turned down a few weeks back) and found that I had three negative items.

Hi, I'm looking for a way to deal with my overwhelming credit card debt, about $19k. I'm looking at some debt consolidation companies, but am scared about affecting my credit, etc. Does anyone have any advice for me? A company you've dealt with that you trust and treated you well? I would LOVE some advice... --L

Has anyone been succussful in having their money refunded? I have been waiting a year and a half and filed as many complaints with the AG's office, the BBB, anyone who would listen...Now they seem to have disappeared. Anyone know where they are?

I just "started down the road" to PDL freedom. I contacted the Attorney General's office last week. They sent me a letter stating to send documents verifying information provided so they can contact LTS Collection Company/DMS Marketing on my behalf. I have been getting daily e-mails from LTS. Today's said they were going to start verifying my employment. I sent an e-mail back, stating that they are not licensed in this state and therefore the loan was void and that I "demand a refund" for payments received over principal amount (of course, I don't really expect this to happen).

As I have seen from this board payday loans are illegal in the state of MD. I defaulted on 5 of them, and paid one off, though I have more than paid back the principle balance on all the loans in the finance fees. If that is the case, can I try to get back finance fees that were paid? I have one outstanding loan that I am paying on, but they don't apprear to be listed as licenced in MD, however they are in South Dakota (where they are based)...can I stop paying, as I have paid back the prinicple? The company is Tremont Financial? Thanks for all the great advice I have gotten so far.

when theses company's call were all there threating calls don't believe them because they are the one's that broker the law State Min./max term Min./max loan Maximum fee Cost/$100 Effective 14-day apr* Alabama 10/31 days no min./$500 17.5% of loan $17.50 455% Alaska 14/-- days no min./$500 15% + $5 fee $20 520% Arizona 5/-- days $50-$500 15% of ck ** $17.65 459% Arkansas 6/31 days no min./$400 ck 10% + $10 $22.22 579% California --/30 days no min./$300 ck 15% of ck $17.65 459% Colorado --/40 days no min./$500 20% first $300; 7.5% >$300 $20 520%

I first encountered a portion of my debt at a young age. I was 18 and had applied for a student loan in the amount of 2000, which I have deferred countless times due to financial difficulties and off and on schooling. I have probably paid over 1000 dollars to this debt but unfortunately the last two years I have been deliquent on my account due to a variety of personal circumstances which has led to missed payments and increased interest which now brings my student loan debt amount to 2700.00.