i maxed out some credit cards, i have collection agencies calling me, and i just can\'t afford to pay them as much as i pay them anymore.

Hi everyone. I have a small situation I would like some input on. While my husband was taking care of bills, he started making 100.00 a month payments to Asset Acceptance. Yeah OK. I didn't see any papers, stating the validity of the debt. Despite me saying we needed that he started paying them. That was 2 years ago. Last month he handed over the financial part of our marriage to me. I wasn't as involved as I should have been so far. Which brings us to Asset. We have not gotten 1 bill, or 1 statement from them in almost 2 years stating what our balance is. I looked at our credit reports.

I have two debts I am trying to work out right now. I have a couple of questions. First: The money is owed, should I still validate? Second: I intend to negotiate a settlement in writing what do I need to know about making sure the agreement is valid and they can't get out of it Third: I read the article on how to mail things out and it is beyond confusing...any help on what I need to do to make sure it is confirmed? Thank you so much for any help.

I received a phone call from Evergreen Professional Recovery stating that I owe $350 for some kind of "start your own business" service that I was to have signed up for from a TV Commercial. I was told I paid $35 membership fee and then I was to pay $350 for a "starter" kit but that the kit was never sent to me because I didn't pay the $350 but I still have to pay the $350 even though I didn't get the kit. This was suppose to have happened in 2004. She also told me that they have already turn a neg report into the credit bureaus.

I just received a email from them stating I contact them ASAP concerning a important matter. Had anybody else received one.

I continuiously received a call from # 904-483-3372 but never left a voicemail. I see from the forum that this number is based in Jacksonville (Collection Agency) After the many phone calls, I just recieved an email from MoneyByNow subjected: Loan Collection Letter (not sure if this has anything to do with the 904 number -- but -- body of email: "We have been trying to reach you in regards to your past due balance with Moneybynow. Please contact us immediately at 1-888-355-6145!

hello, My husband has been contacted also by Allied. They have never sent mail or contacted us at home, but have called my husbands work and told the HR dept if he didnt call that day, he would hear from them tomorrow in a bad way. This is the only time we have ever heard anything about them. When my husband got home and called, the man didnt want to tell him anything about the debt. They even told HR they were the DOE. Finally my husband found out they are trying to collect on a student loan that was dismissed in bankruptcy back in 1988!

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Sorry for the long post.

I have 4 credit cards with a balance of $78,000.00 total due. I would like to speak with a debt counselor to find out the best way for me to proceed. Al Filippelli