Hello All, I have a zero balance credit card on my credit report from a credit card that I cancelled about two years ago. I mean obviously it isn't a bad thing to owe someone zero dollars, but I was just wondering why it shows up. Not exactly sure how the whole credit report thing works, but it is under "good credit" and I just was wondering if they didn't close my account completely even though I closed it TWICE.

Hello, I expected a about $700.00 from the sale of an item and wrote multiple checks for other items; then the sale fell through. The checks bounced twice, we cashed in some comp time, but the bank charges ate that up, then the collection agency(s) started resending the checks through again and their $30.00 fines; so now we have the bank charging $15.00 every time... how many times can they resend those checks and fines? We aren't going to have any money for rent, or bills EVER if they keep going.

How do I get allied interstate to quit calling? I have paid off the agreed upon settlement with them 2 months ago and they still keep calling 3-5 times a day from different numbers never leaving a message. I spoke to someone last week and she said the account had be paid and did not know why I was being called. Also how do I get them to send me a letter stating that this matter was taken care of? They have my checking account information can they still draw from this? Should I close my account? After researching this company on the web I'm really nervous.

I received a message from someone at 800-430-2740. When I called to see who the company was, a woman told me they represent several companies and for me to give her my name. Anyone know who's phone number this is?

They called me last night her name was Shannon... said if I don't pay the full amount she is calling my employer, my payroll and she is sending it on Universal Fidelity and they will charge me 6 times the amount I owe... won't work with me one bit... dont' they give you any time at all?

Good? morning all, Need help getting a validation letter created. For those that recall, I recieved 2 letters from a CA that had the WRONG last name. I could use some help in getting that part of a validation letter down. I think I can piece together the rest of my eventual letter by using the various samples already listed in the various threads! Unfortunately, I'm either working all night, or sleeping most of the day. Weekends spent doing what I can't do during the week. Had sent 1 letter back, to ERSolutions, the CA that provided wrong last name.

can you help with money that is owed to colleges; like a short term loan from a college or money owed because of early widthdrawl?

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Do you take Citibank and Macy's

Hello, I acquired debt from a credit card. Around $7000 is what I owed after they closed out my account. I wound up going through 3 different collection agencies ( they kept getting sold back and forth). I finally got one that offered me something I could handle and settled it at $5000 with 25 months to pay at $200 a month. I have kept up payments and am now down to $1900 left to pay. Now, it has been three months and I found out the payments werent getting taken out of my account. Turns out, my account got sold to a new collection agency.