I still can't decide between a settlement company or a consumer credit consolidation. I am still afraid of what the repercussions would be with my creditors and using a settlement company. My credit card debt is around 60,000 and the repayment with the ccc is SOOOOO high. It is only about 200 less than what I try to pay now. The settlement amount is way lower around 700 less a month. If you guys have any suggestions for a good settlement company, please pm me!

[color=black][/color] I am a single mom with 3 kids and ever so often I get in a bind so I hope you can help me with only 300.00 please. [quote][/quote]

As of Friday all our credit cards will have received payment and we are officially debt free, except for our mortgage, vehicle and regular monthly utilities. This has been a hard road traveled and a valuable lesson learned. Anyway, my question is, one of the credit card companies have stated that they are going to marked the account as paid settlement, which there was no settlement, it was in consolidation. They stated that if I pay them an extra $37.00 they will delete the account from the credit report.

Quote:

Please read this carefully! Your bank has reported that the payment you agreed to make was returned because your bank account is closed. Per company policy, your account has been transferred to our outside agency for collection purposes. You will be contacted by Allen Lewis & Associates regarding repayment of this debt. Thank you, Customer Service AeroAdvance Collections Email: collections(at)aeroadvance.com

Anyone dealt with them??? I dont owe Aero Advance anymore!!!!

Where should I send my validation letter? I live in Texas. Should I send to the San Antonio Address or to the Michigan office, should i send to the physical address or to PO Box. Which addresses are the latest? Any advice will greatly be appreciated?

Hi, I got a letter via UPS today from the Law Offices of Scott P. Lowry. It says that they are making an arbitration claim against me with the National Arbitration Forum. I do not know how to respond to this and what the ultimate consequences of this are. I am only recently learning about all this debt stuff. I had been unemployed for 2 years and am just trying to get back on my feet. I never knew to send a request for validation letter so I did not.

The Administrator of consumer affairs sent me copies of 2 Cease and Desist letters he sent out for me. In them it states that the loan is null and void and the debtor(me) is not obligated to pay the principal nor the finance charges. Says they may initiate civil and criminal charges...so, if i take copies of these to my bank am i entitled to a refund of my NSF charges from at least these 2 companies debits? Or will consumer affairs handle that too?

I owed Direct Merchant Bank $4,000 in Credit card, now they turn it over with the collection agency then to the lawfirm in my state. they took me to court and of course i'm stupid and make a payment arrangement agreement to avoid going to court but I miss one month payment and now the lawfirm told me that I'm in defualt for missing the payment, and that if i don't pay they will take more action, I cannot pay more than what they are asking me. so they took me back to court and got another judgement againts me. I have to answer the court order that says, Interrogatory after Judgement.

DUYGU674 WELCOME!!!!!

Hello, I sent a DV letter which also included a C&D to LVNV funding. The 30 days is not up yet. My question is why did they stop calling before they got the letter? I'm not complaining but they called 4 and 5 times a day and then just stopped. Do they stop calling after they send out the first letter? I'm hoping they realized I've already paid this debt. Thanks, Cathy