I received a call tonight from ER Solutions in Renton Washington. This was the first time I spoke with them. Last night they left the first message for me on the phone and I had no idea what they were collecting for and wanted to do some research before calling them back. They say they represent Citibank/Gateway for a past due balance of $262.45 on an account that I thought was paid off by a Consumer credit counseling program I was in for several years. (It is possible that they are right.

I just got a voicemail from my DS place... they called to ask if i could pay anything on my discover account to avoid litigation. i haven't called them back yet, but this really really ticked me off, i'm already paying each month what i can afford (actually a bit more than i can afford) to the debt settlement people. Since i'm just now two months in, well, i don't have anything built up to pay them anything. i suppose I could get a few bucks from the folks, but it's gonna be a sad, sad amount. is this normal? throw a few crumbs to keep the wolves off your back?

I orginally sent this as a PM to answer someone's question, but I want to be of service to as many people as possible, so here you go......... _____________________________________________ Its all about disputing items on your report, some say to go after the creditors themselves, some say the 3 credit bureau agencies. I just blasted them all with letters. So I found the addresses on my credit report and sent them all letters, (return receipt of course). In the letters, I wrote them and told them that the Statue of Limitations had run out OR that it had been 7 years since the ORIGINAL DEL

I can't beleive I did this today, but I stopped payment on my payday loans today and have letters ready to go to all of them that I can find information for them. I will be faxing or sending the letters tomorrow. I am sure I am in for a fight but I can't keep paying them. I want to thank everyone that posts information to these forums because that is where I got my strength and knowledge to do this. My bank is being very helpful and we are closing the account tomorrow. I had to wait until tomorrow because I have one more payment coming out of there tomorrow.

Does any one have any information or experience with this company :shock:

Does anyone know this phone number? When I called it, it answers as Stacks. Any help would be great!!!!

Hey all, I just got my updated credit report back from Transunion after disputing many items. I got 6 of them deleted on the first go around!!! As stated in previous posts, this is quite gratifying and I highly recommend to anyone. To not feel like the credit bureaus and creditors run my life and that I can actually DO something about it. PM me if you want me to send a PDF as proof that you can do this!!! PS I finally am signed in! :)

Does anyone know the SOL for collecting a debt in California? It's been 8 years since the last payment was made. If we don't pay the debt how long will it show? We want to buy a house someday.

I just saw on my credit report that this company "inquired" about me. What does this mean, and who are these people? I haven't applied for a loan or credit card in MONTHS!

Has anyone heard of them? Maybe it's the number that's been calling me the past 2 Saturdays! I just saw on my credit report that they listed a $750 debt on me?? I don't know who I owe that much money to...none of my PDL's were ever for that much, not even with fees!