something else to ponder. what if an account is 'secured' and goes into collections. Do all the same things apply? What I mean is, is it to be handled the same way you would handle any other account that a collection agency has? or would this be differen? and with it being secured, why would original creditor send it to CA? thanks shirley

I was just wondering something. with all this talk of CAs not being able to validate so the debt just goes away---why would a collection agency buy a debt if they didn't have proper paperwork to validate? how can they expect you to pay (even when you want to) if they can't show you anything in writing? on the other hand---if a collection agency is only 'hired' to collect a debt by the creditor and they didn't purchase it--shouldn't they be able to produce all of the paperwork and provide validation? shouldn't they be able to call creditor up and ask for everything to be sent?

Hello Everyone, I was wondering if anyone had some debt consolidation success stories to share. I am at the beginning of the process and would like to hear about people that are farther along in the program. If anyone has a minute to share their experience, I would be greatly obliged. Thanks! -Sarah

In my initial consultation I'm wondering what it takes to qualify for consolidation. I'm a student and self employed do I need to provide W-2's?

I am getting really sick of having to decide which bills can wait and which have to be paid...In the end i am getting no where and make everything harder.

:x :x :x :x my account was charged a 9.95 fee and i have never talked to anyone from a usa credit to make matters worse, it over drew my account and there for made my car payment bounce. is there any kind of legal footing i have??

Are there any consequences to ignoring a collection agency letter? The debts are past the sol. Thanks.

how can a $300 limit card bill you for $1.510

I have two rather large accounts with a Financial company that keeps going from CA to CA. It seems that everytime I ask for validation, it gets passed on to someone else. now 'encore' has it. I wrote them over a month ago, asking for validation and I haven't heard anything back. one account is over 2,000 and the other over $4,000. And as I said, everytime I ask for validation, I don't hear anything for several months and when I do, its on to someone else. whats my next move? should I write them again or wait it out? after what just happened to me with sams club, I'm getting a little paranoid.

I need to see does anyone have Experian's address. Or would you know how I can put a letter in with my credit if anyone inquires.