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Need consolidation on credit card debt
19 years 9 months ago
My total credit card debt is 24000.00 and I have never been late and don't have collectors calling me but I want to try to consolidate these into one payment with a good rate could you advise me how to go about this? I have a house but no equity in it. Thanks
Arm Yourself With Information: Freedom of Information Act
19 years 9 months ago
As consumers, we do not have many options open to us to investigate those we do business with (either willingly or unwillingly). Yet, it is up to us to be responsible for doing the research and making an informed decision.
One option is go to the Better Business Bureau web site and see if the company in question has a report there. Unfortunately if no one has complained, the BBB has no records.
Get your free credit report
19 years 9 months ago
This central site allows you to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion
annualcreditreport
.comAs of Sept 2005 everyone is entitled to one free credit report from the big three.
Settlement Letter
19 years 9 months ago
Ok everyone, I have dealt with 2 collections and have finally recieved my 1st settlement letter(which i managed to get at 40% of the original debt... :D ). I was hoping if someone could tell me if the letter was sufficient, because it doesn't mention anything about posting as "paid as agreed"...here it is..
Dear GBank54,
Based upon our contact on Oct, 20, 2005 the following settlement has been established. The terms are as followes:
Total settlement amount: ####.##
All agreed upon payments must be recieved by their due dates.
Want to know how often creditors sue for non-payment?
19 years 9 months ago
Hello. I'm just curious to know how often creditors (credit cards in particular) sue for non-payment?? I've read so may conflicting opinions. Some say they rarely sue, while others say after about 9 months they will generally sue. I'm in a debt settlement program. I have 7 cards with about $40,000 in debt. 2 of the accounts have been settled for about 50% of what I actually owed. It's the other 5 I'm worried about.
Debit and credit card confirmation
19 years 9 months ago
I somewhat still do not fully understand how to gain accses to my account with my personal information
United Legal and Rio resources
19 years 9 months ago
Well I got a call from United Legal Corporation today. This is where Rio Resources sent my loan that I have defaulted on. When I spoke to the women today; Cindy Jones (I think a collection agents change there name for there own safety) she stated that I owe them $300 and that she could do 3 payments, etc. I explained that I wanted her to validate the debt and then I would call her back. Well then she begin to ask questions if I had $300, blah, blah, blah. We can do three payments, ets. I explained that our bank account was frozen and then she said we accept credit cards. Dont have it.
Tried to contact Sonic Payday regarding money that I owe
19 years 9 months ago
This afternoon I tried to contact Sonic Payday regarding money that I owe them. This is after sending two or three emails stating my wishes about repayment. After telling the "operator" that I wished to speak with someone in the payments department, she asked me if I was calling from the U.S. or Canada. After telling her that I was calling from the U.S., she transferred me. The phone just rang and rang. I eventually had to hang up because my other phone was ringing. I was wondering if anyone else had problems getting in touch with Sonic.
Kathy
NCO Financial Systems purchased a debt from Discover card
19 years 9 months ago
I have a friend (not me really a friend) that has been getting mail from NCO Financial Systems, Inc and a NinVision-MEDCLR Portfolio Group, LLC. They are stating that they have purchased a debt from Discover card in the amount of $1,867. To take care of this debt they are wanting her to agree to their assistance to obtain a Capital One Credit card. Offering her a deal of a $1.00 credit and then expanding her balance by $50.00 for every $75.00 she pays towards the $1,867 balanced that is transferred to the Capital ONe card.