I sent a dv letter to a collection company and they sent me copies of the loans that I had, but they sent two loans from one place that I know for a fact I only had one loan with them. Even on the papers the loans have the same exact application ID number. I will not pay twice for the same loan. What should I do? Please help......

Does a preapproved credit card offer show up on a credit report if the account is never activated or used? Thanks

A credit card company was awarded a judgement against me 12 years ago. It expired without being paid. Credit has been excellent for the last 10 years and the judgement is not shown on any credit report. Is this considered an "outstanding" judgement and do I need to report it when applying for a mortgage?

Can you advise as to what the SOL in Pennsylvania is? thanks!!

I had read somewhere on this board,that you can call your bank and have all debits stopped.If you do this will it affect online bill paying?I want to stop the payday loan people from debiting my account and send payments by mail,but Im not sure how to do this. Thanks for your help.

1. would it be best for me to order a copy of my credit report to get started? 2. i see "charged off" in a lot of these posts - what does that mean? suddenly, i had $11,000 in credit card debt. i was not delinquent on any account but wanted to get ahold of the situation. three years ago i (ignorantly) signed up with a settlement company- ji financial. they sold me to fornia, luftman and heck. this has turned out to be a very bad decision. i have paid $200 every month for the last three years and they settled one account - not even the largest.

I sent a cease phone contact letter to a company who it was delivered to on October 17. I sent it via certified mail with a return receipt. I have not yet received the green return receipt yet. I am able however to check online at the USPS and found it was delivered on October 17. I just received today October 18 a demanding phone call left on my machine stating "YOU NEED TO CONTACT ME IMMEDIATELY". I am will to make payment arrangements but I do not want to do it over the phone. This company has also contacted me on previous occassions before 8am at work.

I was doing some research on the nature of business of some collection agencies. Here is what I summed up looking at the illegal activities: They want to earn largely from your money Collection agents have huge commissions on the money they recover from you. It may be even double or triple the amount of their salary that they earn. There main intention is to force you to pay just on anything so that you agree to make a ‘down payment'. Making the payment date urgent The collectors often set up deadlines while recovering money from you.

I get a phone number on my caller id that is 800-741-2100. They hardly ever leave a message just call numerous times during the day. When they do, it is some automated voice that you can't understand. Has anyone had any dealings with them? I am going to send them a validation letter to find out what I owe. I have tried to call them but I am told to leave a message since I don't know the extension number. I have also seen that they are horrible to deal with. Any info would be appreciated.

If a judgment is made against me for a credit card debt and I have no wages to garnish, where can a credit card company get money from me? I am with a debt settlement company which the collection agency refuses to talk to (so they say) and are saying they will be serving me for a lawsuit. The collection agency is not in my state. Can they initiate a lawsuit from another state and how long does it usually take from telephone notices to actually being served and the actual lawsuit? Thank you for any information.