Why do some of them lie and try to be more difficult than they should be? We have one creditor that has replied to T&C that they will not accept less than the $286 payment; T&C had offered $125 a month. Now, last fall I had contacted the company to let them know to work out a payment arrangement, and a rep offered $150 a month. From Oct- Mar 2006 we paid them as agreed, yet they kept sending emails about the acct being under review because payments weren't being made. I would just forward the emails to the collections rep I spoke with in September, and she would take care of it.

I rec'd a letter from T & C that had a blank check attached saying I could turn that into cash - has anyone ever done this?

I am up to my ears in debt and unless I get a lump sum of money really soon or get these secured and unsecured debts consolidated, I will be in some big trouble. Any advice anyone?

Need number ASAP THANKS! Calvary Investment- not listed in phone book, 411 or yellow pages.com

Can I keep my house and car payment out of the issue? They are not the problem. Lisa

I have a question about a credit/collection agency. I got a "welcome" letter from them saying they purchased my credit card account. The amount they listed is not what I owed on the card,when I last paid. (when I was no longer able to pay the credit card it was about $6000, now almost $11,000) I made my last payment to them in September, 2003. The credit card account is not being reported. This debt or old balance is not reported to Experian or Equifax.

On my credit report, Providian charged off a CC account in July 2003, but last payment made by me was April 2002. The account was transferred to Portfolio Recovery in Feb. 2004. The CA told me that my SOL had NOT expired because they did not receive acct until 2004 and that is "when the clock started ticking" (his words). I think that is wrong! Should I dispute this with credit reporting agencies or jsut wait for them to try to file suit against me and then use that info to have the case dismissed? Confused!!!

OK- I had the nerve to look at my credit report. I have a lot of work to do. MY DILEMMA: On a car loan, it lists "Paid,Closed/Account charged off". Below the listing, under Account History, it says "Charge Off as of July 2003". (The acct was paid in full and they released a clear title to me in 2003.) I went in to dispute the item, but got a pop up on screen that read " The account is already noted as Paid in full. SOOOOOOO- why would it say charged off...should I worry? Call Experian and talk to them by phone??? Thansk for the help!

How much does your company charge to consolidate my debt and how soon can i get the loan?

I have been in a debt relief program since OCT 2005. I have had 4 of the five companies I listed agree to my proposals. I have been having a difficult time with American General. The office manager claims they will not accept a proposal because my account is not current. They accept my decreased payments monthly and have stopped finance charges and late pmt fees according to my monthly statements. The witch (sorry she is!!!) claims she is going to take me to court.....Is that legal???? My debt management company is sending payments monthly and NONE have been returned.