Company/Individual reported: Crditcure and the law office of Richard A. Brennan have taken my money $1500, and done nothing in return. THEY ARE THIEVES. Many people on this site have had a bad experience with them-BEWARE.

In Canada, collectors and skip tracers have to be registered and licensed to practice their profession. If a collector is found not to be registered, their company can be severely fined. The collector can also civilly charged as well. Collection companies have to be registered, if they are not, severe fines and dissolution of business can happen.

I just received a call from these folks. I am thinking it probably has to do with a payday loan. Has anyone heard of them? How would you suggest I handle this?:

In 2004 I was contacted by a consolidation company, Federated Financial, who asked me if I was interested in consolidating my credit cards. I had about $8,000 in credit card debt at the time. I wasn't behind on any of my payments but my fiance had just been laid off and I wanted to get my credit cards paid off before I got out of law school. They told me they would lower my interest rates and I would be out of debt in 3 years. My first payment was taken directly from my checking account in August 2004.

I sent off "the letter" to another online payday lender this morning and got an email already that that have "written off" the remaining balance. Yeah, one more down!! Good for me!! :)

I hadn't realized there was a difference either. Last summer we started with a debt settlement company, but that's a different story. I know it's a drastic move, but we had some closed credit card accts that we were paying $100 or so a month on, that had been closed for 2-3 yrs, and the balance dropped $500. When I realized I had paid over $2000, on an acct that only had a $2000 balance to begin with I was mad. Later found that when Providian traded the acct to a different portfolio, they changed the interest rate to 36%, from 17%. It was supposed to be locked by my having the acct closed.

Everybody on this website has given me more knowledge and courage to handle collection agencies that I never had and I would like to Thank everybody who writes and answers questions because I have learned so much. I will never be threaten again by their scare tactics.

Is there any way besides opening a new checking account that I can stop Cash Transfer Centers from drafting my account? I don't want to go through the whole new account, getting new checks, but I will, if that will protect my money...

I'm looking for J.J. McIntyre Co. creditor

I'm in the US Army and I move around alot. I have a few unpaid bills that have been given to bill collecters. I have called and emailed the places I own money to but they never tell me who I have to pay off my debts with. I have money to pay off my debts but I cant find out where to pay!! Help