I have received a settlement offer from midland credit management who received the origianl case from Associates. They have offered to settle if I pay half of the origanal balance by a certain date. The account is seriously delinquent anyway, but what does it show up as on my credit report if I decide to settle by paying half the balance? I want to pay this because it's a great offer, but will it affect my credit report negatively by paying only half the balance and settling?

Glad I came upon this site! I have a Home Depot debt on my DR which went into collection back in 2001. To make a long story short, there has been no activity on my part or my ex-spouse's part since 2001. Yet this account, which is now owned by LVNV, shows an estimated date of removal in 2012 (TransUnion credit report). I have not contacted this company to assume the debt nor have I signed any note. I have three questions. 1.Why might the collection company have done this?

I just have a quick question. Are First credit of America and First Credit Services the same Company? Any help would be great! Thanks

Encore has been calling here for my b/f on both of his Capitol 1 cards. I told them that we already spoke to Capitol 1 and that they do not own the account, Capitol 1 is still holding it. She kept asking to speak to him but he said he would not because they don't have anything to do with the account. When I told the woman from Encore she got quiet and didn't say anything when I told her to stop calling here and trying to collect on a debt they do not have. I waited for a response expecting her to freak out but she still didn't say anything so I hung up.

I need the email address of your local office in Baltimore,MD.for the purpose of communicating a collection settlement.

Hi---although you guys have heard me go on and on about a wells fargo account that no one will talk to me about---I also had a small wells fargo account that I recently used my points to pay off. I was keeping up with the balance on my own. I have a filing cabinet and each creditor/collection agency has a file. I have a peice of notebook paper in the file with the beginning balance on it and every month, when I make a payment, I take that amount away and it leaves me with what is owed now.

MCM...this company represents fingerhut. they have called and sent a letter. I filed bankruptcy in 1999 and fingerhut was included and discharged. I told mcm this and sent them copies of the discharge and credit report showing this. "Mr. Bruce" called me again today. Do you know anything about this company and what is my next step should they persist.

Please explain what restrictive endorsement and if you have any sample letters could you give me one or at least tell me how I should word it. Thank you for your help.

Is there anyone out there who took out a payday loan, paid it back and the company still took money out on their following payday? I am not talking about defaulting on loans or some illegal reaccuring charge that you agreed to without knowing it. For example: You tookout a payday loan for $300 and they debited you account for $360 on your following payday. Has anyone then had further deductions from this company on subsequent paydays even though the loan was paid in full? If so then what company was it?

Hi,we have a visa card debt of about $20,000 plus about maybe another $5,000-can u help us?hard to eat,no money for food.thanks