In 2003 I was informed by AT&T that I had met all prior financial obligations with them and no longer needed to send any payments for a phone bill because they would be returned/credited to my acct. As of this last week I received a letter from a creditor stating that they are collecting on behalf of AT&T. Is this legal. Can misinformation given by that creditor then be used against a debtor

All, Just recieved yet another phone call from CMC, Credit Management Control, after sending Certified letter, which stated NO CALLS, contact by US Mail only! Is there a sample letter available that I can use for contacting local AG office as well as the FTC, for reporting said violations?? They recieved and signed for letter sent. They have NOT bothered to reply in writing, only attempted to make 3 phone calls, so far.

Has anyone had an account being collected via NCO Financial handled by T&C or other companies? There is a credit card that I thought we had included with a debt settlement company last year, but it had not been added. I told the NCO rep that I would call the counselor tomorrow to have it added, I was told that they will not work with any programs, consolidation or settlement (we have some cc accts handled by a debt settlement co, and signed up with T&C for consolidation of payday loans; I figured I could add this stray cc acct).

I want to mail this out tomorrow, so that they can get in hopefully in time to respond very soon... March 20, 2006 To Whom It May Concern: I have been a customer of your company for over 1 year.

Well, some positive news - I changed my bank account, signed up with AFS (T&C doesn't work in North Carolina). I took the advice learned from this site and was proactive in calling my payday loan creditors. Well, I called some, and some called me today since they just found out my account was closed. And it's amazing, they were all very accomodating and are willing to work with AFS. What a relief! Oh - of cousre there was the very scary call from the DREADED SONIC PAYDAY...but after all I read about them, I decided to pay them off directly.

PostPosted: Mon Mar 20, 2006 5:02 pm Post subject: collection account sold It has been six and a half years on a car that was repossed and sold. My husband tried to get it back and pay it off but they had already sold it. Anyways, it has been on his credit report this whole time. He had another debt with Palisades which was paid off about 4 months back. Now palisades bought this charged off collection after all this time. Does it still come off the credit report after the seven years is up? Once it is off the credit report do we still need to pay it or is it done? Thanks for any help

I have read several posts on SOL limits and that they vary state to state.

I feel like I'm making some progress in the debt war, so to celebrate I turned my answering machine back on, only to be rewarded with a brand new caller..nacs 9011, phone number 727-287-1913. These people called three times while I was at work today. twice they left heavy breathing and banging noises on the machine, the third time someone left a message that gave me bad memories..It sounded like the voice of one of the ICS or Interim cash guys. I called it back, no answer. They called again a little while ago, and guess what!?!

the system has screwed me over and there is nothing i can do to get out of it :cry: i had this problem with not being able to pay my payday loans...(now with t&c) but when i went in to close my account the rep told me everything had cleared and it hadent so i just found out the account is 600.00 in the negative because these loan companies wont stop...its hopeless. the bank told me as long as its neg they wont close it until the 90 in overdraft mark!!!! how much will i owe then? thousands! and then when i cant pay it they will garnish my wages....this sucks

Oxford still hasn't given me validation and I have asked for it three times now. They call my house every day and totally disregard my request to stop calling. They were/are holding two Dell accounts. I got a letter last week saying I owe such and such amount. I think they have combined the two accounts from looking at the amount. of course if they would answer my validation request, I would know. Now what to do next on my part?