Here I am again with more updates....If you receive(ed) Arbitration Papers in the mail or by Fedex and you are with a settlement company...........PLEASE be very careful....especially if you have Chase Manhattan and the lawyer is Mann Bracken and I'll tell you why. Mann Bracken (from their lips) told me today that the ONLY reason they turned it over to an arbitration board is because I had a settlement company handle this account.

They also spammed the thread_Someone debited money from my account_.Thanks...Karen

I am currently disputing an invalid account with SAM regarding T-Mobile and I am sending T-Mobile's corporate office an e-mail and would like to CC: SAM. Does anyone know the correct e-mail address I could use, making sure it would get to the right person?

I need to get rid of my debt and build up my credit. I dont have a real lot of debt but enough so I cant get a loan or credit cards.

Below is a nice email I received this morning from these wankers!! Please bear in mind that I have given them my acct. info. on 2 different occasions so I could settle my acct. with them. To date, I have paid $632 on a $200 loan. I know because they are based in the UK and have a set up address here that it's impossible to threaten with them conducting business illegally. I have listened to the interview with the woman who was trying to fight them and read threads about people who have dealt with them.

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I messed up ypoung at 18 now i am 19 regretting it i have about 1300 in debt and i dont know how to get rid of it.

Can anyone give me an idea of who to go with?

I found a good letter to send, as I am about to attempt to start settling some accounts that have been in collection for awhile. I hope I can post the link here, becuase I have a somewhat specific question about it. ;) Do I send this letter as an INITIAL correspondence, and wait for them to send it back, signed by them, before I send any money? I've read to not call CAs on the phone because everything should be in writing, and send CMRR. Thanks, Jenna

I just recently graduated from college, where I was a scholarship athlete and got my first job and come to find out I have a credit score of 500! I have never had a cc and only use a debit card if I have to but mostly just carry cash! My parents taught me well that if you don't have the cash to buy it you don't need it. I have placed fraud alerts on my accouts and disputed all but have recieved no letters showing that I signed for the cards! Anyone with some advice please respond!