It has occurred to me that we may be asking the wrong question. I was talking to a utility company about a confusing charge that they sent to collections that I did not know about (she said it was billed separately...same envelope) and I continued to pay only the gas bill and not the connection fee so they took it off and send it to collections. The collections company said they sent only one letter over a year ago because the amount is so small ($22). They said they had called about once a month but kept geting a fax signal.

I received my credit report and was amazed that my score was terribly low! A new item showed on the report from an account I set up for my father-in-law to have internet service. My debit card expired and they said they tried to get ahold of me, but I live at a different address (Germany) than my FIL so I never received word. Anyways, they still tried to charge my card for 6 months and never received the funds, and now they cancelled the service in (Feb 2005) and I have a collection on my credit report from them.

They're all scams in Texas because they get around the state PDL laws by becoming "brokers" for the actual lender that's usually out of state. These gusy "aren't satisfied with generous terms of state law, so they exploit a loophole that allows them to partner with out of state bnks tht allow them to charge as much as they want." The Texas Finance Commission supposedly adopted guidelines in 2000 said that lenders could charge $10 per loan fee, plus 48 percent annual interest.

Hi, I have already been turned into several collection agencies but have no clue which collection agencies because of an address change so do you guys look up all of the credit stuff for me or do i need to find out somehow? thanks, nick

Have you guys noticed one thing? The Miracle Management Group thread has reached 100 pages yesterday. I have never seen such a long discussion in forums. More and more people are getting help here. I watch the thread closely. It is going good.

You guys I can't figure out how to pull up the old threads. When I sign in it will show the posts since last visit. How do I see what was before?

Hi, I have an old student loan from 1990 that I'm being harrassed about. This has a long history, but I will shorten as much as I can. I originally went to a business school in 1990 called International Business College. I went for approximately 6 months on a PELL Grant, which paid for a small clerk/typist course I signed up for. I was told by faculty that is was standard to take out student loan as well for subsistence money since it was difficult to have class 40 hours a week, and study, and work full time. I did this.

Good evening, Like some of you, I have been fighting United Cash Loans over the past month or so. They were quite for a few months and then came out of the blue with the collection e-mails last month. :cry: Anyway, I had tried to working with them but they have been stubborn and have lied and lied again. I sent one of my nasty grams this past winter but they ignored that as well, although they did receive it. I filed a complaint with the BBB in Oklahoma a couple of weeks ago. I got record of their second reponse this evening.

anyone have any info on platinum finance?

Is this a JOKE??? Quote:

Dear Jessica: We are in receipt of your recent correspondence, however, it is extremely difficult to make meaningful arrangements regarding payment of an account through the mail. We are willing to work out a payment arrangement on your account. As of the date of this letter, you owe $.01. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater.