Plese do not let Ace America loans fool you. This a big scam!!!! The information post is true I was fool also from them 2day ups mail and a phone num that even work. They don't now how hard this can be for any one that is going to a bad time and getting your only money that you have and sending it to them so they can scamm and stay with this money. Be care full legitimate lenders usually do not require advance fees for ther services. I learn this in a very hard way. Be very carefull.

I received a letter from a creditor who I complained about to the BBB(actually a copy from the BBB). It states that the credit bureau did not receive any documentation of my claim. Upon inquiry, the credit union will send us an inquiry into the months in question and then provide credit bureau with correct info. When I spoke to the credit bureau, they stated that info is incorrect and that everything is done electronically, they do not furnish anything to the creditor. Who the heck is right? It seems the creditor says, tough luck but lets just feed some bs to the BBB to satisfy them.

Sale Manager is behaving like he is god and treating he is the owner of the company and give serious mental tensions to all the sales operator like putting heavy fine to sale operator without any genuine reason and giving a special place to girls and ladies , being a human beings we should have a self respect. thanks

Are you a loan company, or do you just help figure out how to solve debt issues?

According to a poll held, many of us don't have problems in keeping outstanding debt. Credit card defaults are on the rise. They leave the bills of the cell phones and utilities unattended which keeps on rising higher. So far it was quite possible to do so, but now with the new bankruptcy legislation getting into effect from October 17, 2005, it will be tougher to escape debt.

In this article I am not trying to steer you in anyway from paying your debt. If you have a legitimate debt and that you have to pay it, then you just don't have any other option but to pay it. However, looking at the critical situation that a person has to go, it might be financially tough at that point of time to swallow the creditor's power of making you pay the debt. I was in a situation where a judgment was entered in my name and the creditors were targeting towards my bank account and a car. But somehow, they ended up targeting towards their favorite area, my wages.

You might have judgment against you or the creditors keep telling you that a judgment has taken place. How can you find out if the said information is true or not? It's very simple and accurate to know whether a judgment has really been filed against you. The best way to check it is to find it from your local clerk and recorders office and see if there has been any information recorded in your name. However, an easy way to do it is by contacting the credit bureau.

While calculation on credit scores is done, following avenues are deeply researched:

• All the information about your payment is researched. This includes all the credit cards, retail account, any type of car or mortgage loans.
• Public records are extensively reviewed and the collection items such as bankruptcy, foreclosures, suits, wage attachments, liens and judgments are widely researched.
• Any specific details on late or missed payments i.e.. delinquencies are also judged.

A tactful method on how to deal with the collection agencies. I tried to figure out a possible plan on how to deal with the collection agencies. This should be done only when you think that the creditors have not provided you correct information about your debt. When your debt is about to be sent to a collection agency for further collections, send your original creditor a dispute letter through certified mail with return receipt requested.

is there a phone number that i can call?