Can someone collect on a cheque if they already have picked up the items that the check was for?

My credit has been excellent for ten years. Today I received a collection letter from an agency who names a LLC company as the current creditor and OSI/Gulf State Credit as the original creditor. Is it safe to ignore this letter? I have never heard of OSI/Gulf, but I believe they may have bought an old charged off debt from a credit card company. There has been no activity on any of my charged off accounts for at least ten years. If OSI purchased the debt, shouldn't the credit card company be listed as the original creditor? BTW, all of my old debts are past the sol.

I never worried about my credit report; I always thought it is ok enough. So I always put it off aside. But my thought changed when tried to buy a new car! My finance agent offered me quotation which contains high interest rate to finance the car and also told me I had a bad credit. But I know that it's impossible. Then I checked my credit report, I found some point is really destructing my credit report. So please can anyone suggest me what I do now?

I put in the wrong phone number, but do not see where to edit it. phone number removed for your protection.

I have a paydayloan thru SMJ- is there a # i can call to talk to them please

debt consolidation does it include all debt such as homes, cars, medical and other bills including credit card bills?

The account I referred to earlier with Accounts Receivable, is now with 1st credit of america and boy are they rude. John Puckett called and told me to quit stalling and pay my debt and I asked what for and he stated that was none of my business.

Hello everyone... I've got a lot of credit card debt that I need to get into a consolidation plan. I'm talking to one company now, but I need to research others before settling on one. Who are the best, most trustworthy debt consolidation companies out there? How can I research this subject...are there other forums on the internet regarding this subject? Any advise you give is helpful. Thanks.

I am curious about payday loan companies that work or conduct business out of the US. How do they place information on your credit report if they are in a different country? Isn't your credit report different if you live overseas? Also, if we were under the impression that the company was in the US, but found out that they are really out of the US. Isn't that false representation and is a wash on the loan, since they misrepresented themselves to the person they conducted business with? Just some thoughts...Or maybe stupid questions...

Does anyone have an address and a contact number for Nationwide Payday Loans?