I joined the community the other day,a week, or something,anyway,it says welcome Karen, but still has me as a guest and says I am entering wrong name or password. What do I do?

Can someone tell me more about the Statute of Limitations for debts such as credit cards? When does the time period begin? Is it when the original creditor places the account in collections?

Hope all of you are listing! :lol: It's here an association for collectors! My name is Joseph G (founder) of TCA. We have attended various conventions such as DBA (debt buyer's assoc.), NARCA (national assoc of retail collection att), Thompson's, and ACA... The response has been great! We have big names associated with our association and will be aiding in the "steps to maximum potential". This association promotes ethics, productivity, & longevity! Being consistent is vital to a company's growth and vital to the collector's growth as well.

Ok, so I filed my state tax return a couple of weeks ago...I was going to get back $292.00 by direct deposit. UCB has a couple of accounts for me from Ohio State Univ. Hospital, where I spent 1 night a year ago after being hit by another vehicle. All of the bills will be covered by my settlement which hopefully will be completed soon, since I've officially been released from my orthopedic doctor. YAY! My attorney sent UCB letters of protection, stating that they will be paid when we get paid by State Farm.

company couldn't validate but got judgement and I now owe 4 times as much. what can I do?

I was contacted by Superior Debt who does settlement only. But I want to use a consolidation company. What do I do next? What next?

I just wanted to thank everyone for their help. My sister recently had a wage deduction taken regarding a payday loan company. A lot of rules were broken. I gave her the information that I have learned from this site. She sent her payroll dept a letter revoking the deduction and she found out today that it has been stopped. Again, I just wanted to let everyone know how much I appreciate their help. Hope everyone has a great weekend!

I am $67,000 in CC debt. My monthly minimums are $1300/month. All the cards are between 10% and 20% interest. I can barely meet the minimums, yet the principal hardly drops, so I am interested in consolidating. I have never had a late payment, so my credit is solid. I just don't know if colsolidation will hurt my credit. I am looking to buy a home very soon and am wondering if I should avoid consolidation until I get the home or will it not have any affect on my home qualifying? Thank you.

I am hoping someone out there can shed some light for me. I live in Toronto, Ontario and have been presented with court papers for a wage garnishment and the plantiff is asking for twice the amount of what I owe. I am going to go the court office to file a motion but I was hoping someone could give me some information "are they able to sue for more" and what is the procedure of all of this. They are faxing these documents to my work which I might add have gone around the office because the fax machine is in a general location and everyone uses it.

It was an interesting additon to the site. I look forward to the changes and hope that the good work continues.