asset acceptance is sent me a 'dun' offering 70% discount of a debt of $428.00 that among others that was discharged in U.S. bankruptcy court over 13 years ago. I believe they are in violation of federal law because if I pay $128.00 they are demanding it will certainly not do anything positive for my credit rating and I think it is against federal law to try and collect a debt that has been discharged. This is called harrassment. The amount originally owed was to Diner's Club. I had to file for bankruptcy during nasty divorce proceedings.

Someone from "Anthony Galloway and Associates" called me today about a loan that I paid in full!! (And I have the bank documents to prove it!). At the time of their call, I was confused and did not know until later what the actual discrepancy was. They asked me to pay $521.50 by noon today. Being initially scared by their "arrest" threats, I agreed to pay. After the call, I searched on the internet, and found this website! Thank you! I now know they have no legal ability to do anything they threaten.

i recently ordered a copy of my credit report, i found two items that did not have a date of first report, date of last activity nor did it have date opend...is this leagal since i have seen it before and was deleted from my file and now it's back, the same two companies.

Can i apply for debt consolidation even thought i have 2 accounts on collection

Does anyone know anything about First Credit of America? They are going to try to garnish my wages. I live in Texas. What is the best way to handle them :?:

What are the other possible options if I refrain from filing bankruptcy?

If I file for bankruptcy, what effect will it put on my wife who has jointly signed the loan with me. She is not the one who is filing for bankruptcy. I alone am planning for it?

A wage assignment is termed legal if it fulfils the following requirements:

• Wage assignment should be served on a separate piece of paper and should not be a part of the contract.
• You need to sign this paper in person at the time of the agreement with your social security number, your name, the amount of the debt, the rate of interest, and the date when payments are due.
• A copy of this agreement should be available to you also.
• Wage assignment should be clearly written at the top of this document.
• It should be served to your employer in the proper way s

What is the process that Sonic Payday takes to assign a wage assignment? Will someone notify me that this is being done or will it just be done? Also does anyone have a sample letter revoking the wage assignment? Thanks Kathy

I have a lot of debt due to payday loans and I wouldn't have done it but my credit is too poor to qualify for a personal loan, and I don't own a house so now I'm way behind on paying these off can you offer any help or advice? I don't think I qualify for debt consolodation as my total unsecured debt is not over I'd say $1,000.00 one of my credit cards is I think 60days past due so now they expect me to pay one lump sum payment of $136.00 as this is what I'm over on my credit limit. Again any help or advice is greatly appriciated. Thank you, Melissa :O)