A few months ago Bank of America started a program where they will transfer the the change from Debit card purchases from your checking account to your savings account at the end of every day. For example say you spent $5.25 on lunch, then $.75 will be transfered. Now say you spend $32.01 on gas, the $.99 will be added to your $.75 and transfered as $1.74. In addition, for the first three months, they will match dollar for dollar what they transfer. After that it is matched at 5% a year.

My credit score stinks. We had some hard financial problems that last 8 or 9 years. I checked my credit score and it is in the poor section. I declared bankruptcy in 1997 and still did not learn. Well the last year I have learned what I did and now I am paying for it. Since the middle of last year I found a 2nd job and payed off all the payday loans I got into and now I am paying off the credit cards I had. All credit cards were sent to agencies because I had not paid on any. Now they are offering me settlements and I am paying them off one by one.

Can you give me some insight on how they can collect when you have already paid them and you have proof through your bank records. Melissa calls me everyday asking for something different and saying now that I owe over 1000.00 since they have not rec'd that 300 from me.....UNREAL

Anyone here already enrolled in a dmp? If so, can you recommed one? Thanks

Hello...I recently contacted a non-profit re: reducing my debt. I owe around 18,000 and pay about 450 a month..I was quoted a figure of 527 a month...I thought the goal of consolidating debt was to reduce monthly payments, not increase them...Anyone have any advice? Thanks,

I have borrowed from 6 cash loan places, all outstanding at this time. Trying to pay off debt and get out of ths mess. What can I do? Thanks

Hi! I was just wanting to understand how a collection agency was granted a judgment against me when I went to Court today for an acct that the date of last activity was 11/1999. I appeared in court with the SOl as my defense and the collection agency was granted a judgment against me. I still don't know what happened. Can anyone help?

I recently took out a loan with these people and I paid 100.00 a week for 4 weeks and then I decided to pay it off early and I paid them 330.00 the last payment. They say they never received it. I faxed over my statement from the bank and even an on line statement that showed it cleared. They say they never received the $$ for the 330.00 payment. They are now telling me that I owe over 1000.00 because I never made the last payment. They want me to do a 3 way call to the bank which I refuse because I am not giving them the authorization to.

I found this on budhibbs.com and thought it was interesting, and importatnt for people to be aware that Asset Acceptance is trying to do this. Quote:

IS ASSET ACCEPTANCE CORPORATION INVOLVED IN AN IRS SCAM? Asset Acceptance Corporation (AAC) is not new to this game.   Statute of Limitations on Collections? anonymous 19 years 6 months ago Hello - I'm curious to know if anyone has any information on a statute of limitations regarding collecting on accounts. I received a call from someone claiming to be collecting on behalf of Bally's Fitness (I've never belonged to them). They are stating I opened a membership in 1997, it was paid through 1998 and then went into default. She couldn't answer any basic questions such as location or type of membership. Why would they try to collect on something 8 years after the fact?