Not sure which forum to put this in so here goes. Vikas if you want to move this feel free After doing some research, it would appear that the UK addresses for ICS/Cash Today are in fact for Heathmill, which is a UK outsourceing company that apparently does call center/order fulfillment and the like.

Hi all, I've been putting off trying to clear up my debt mainly because I haven't had the income to do so. What I make barely pays the rent, utilities, gas and food. I don't go anywhere (movies, out to eat, etc). So doing a budget analysis is moot. I'm lucky to have $20 to my name at the end of the month. Most of my debt is 3 medical bills (small to most people), a couple of book clubs (I was doing just fine for a long time), and 1 credit card. It was a $300 limit card. Now with all the interest, it's over $800. Oh, and my student loan. In all, I have about $15K in debt.

I recently received a collection notice from Encore Receivable Management Inc that was for money I allegedly owed EXCEL TELECOMMUNICATIONS. This amount, however small (less than $60), was something I absolutely KNOW is NOT owed. When I had EXCEL as my long distance carrier ALL my phone charges were paid thru my "local" billing carrier -- VERIZON. In discussing this matter by phone with two staff members at ENCORE ... a Nora Opercio and a Kristine Campo ...

Anchor Receivables Management

Ok I purchased my 3 in 1 credit report this morning with the monthly monitoring. I just can't stand not knowing what's going on from day to day --- anyway. I cringed but clicked on the credit score button and when I finally opened my eyes I couldn't believe it!! All three of my scores went back up between 90 and 120 points!! WOOHOO!! I haven't even gone through the whole process of disputing everything (I have done 1 so far and that takes 30 days)so I am hoping that within the next two months or so everything will be right where it should be and I can continue the clean up from there!!

Does anyone know this number 866-402-1044?

I have searched everywhere and found no matches for this number....240-215-4923. They refuse to say who they are when I answer or leave messages.

do you consolidate private student loan debt?

I keep getting calls from 321-206-4136 from a male with a heavy accent, stating that I should know why he is caling and when am I going to pay my bill. I advised him that I have no idea who he is, he then stated I am rude and hung up! I called back and he did it again. Does anyone know of these idiots? He says it is United Federal Bank. I have never heard of them.

Hello, I recently got a phone call from Midland Credit saying I owed (this amount) for a old Fingerhut account. They want me to either make $100 a month payments to pay the bill off or they gave me a settlement of $1, 130.51 to pay by the end of the month. I told the lady I could do monthly payments but coudn't pay $100 mth. She then asked me if we rented or owned a home then when I told her we rented she asked if my husband had a retirement fund we could get the money from or ask a relative.