Do not ever work with these people. I foolishly believed them when they said that I had been approved for a loan and that all I had to do was pay the first three payments and an insurance premium up front. They even sent me a "contract". I sent the money (a lot of it) via Western Union, and haven't received a penny of what was supposed to have been deposited into my account. Not only that, but to my discredit, I stupidly sent them a copy of my driver's license which they claimed they needed to verify I am who I say I am and now I have to go through NJ's Fraud Dept. of the MVC.

The internet can be a really great tool or it can used as a weapon...either way, when using the 'net, always keep your guard up. You're never dealing with anyone face-to-face, so you never really can trust anyone you conduct business with. Even mundane things such as email, AIM and chatrooms can be monitered, hacked and read...even when you think you're privately discussing matters with just one other person. Perhaps you've heard the term "phishing" before--something to be wary of when using the internet.

Has anyone ever heard of Personal Credit Services based out of New York?

CIC Credit Report 800-2202626 CA Keeps showing up on my paypal....they keep trying to take money...I never ordered a credit report other than from Experian via snail mail....

Do you have a fax number for Allied? They have been harassing me about a person who I do not know that must have given my phone number as their's. I have written them a letter and wanted to fax it to them today so that this nightmare will stop. Thanks so much!

Sometimes bankruptcy is filed as a last stitch effort to get through debt. This is can bring about several questions and concerns and cause some to worry. Here are a few helpful pieces of info... 1) The "Chapters" are as follows: 7--a liquidation proceeding that is available to individuals, married couples, business partnerships and corporations. You will turn over all non-exempt propery in exchange for cash, to pay to the creditors. You will get what is known as a "fresh start" although your credit score will hurt for a little while.

Do you people know that, you can create U.S. postal stamps by your own? Surprised? But it's true! You can design a new stamp online that is valid for U.S. postage! You can put your own picture, your kid's photo or your pet's snap, whatever you like, in the stamp. Every week the editor of the site picks up some good stamps and displays it online. Isn't it thrilling! It could be more thrilling when you receive a mail and see your stamp pasted over there. If you want to convey some message to public, like your kid's birth day, what you can do, just create a stamp with some related photo.

Hi, Individual Voluntary Arrangements (IVA) is considered as an alternative to bankruptcy. It is an agreement between the debtor and the creditor, which allows the debtor to pay a percentage of the total debt amount over the time span of IVA. In general the total time span of IVA is 5 years. Once the IVA is over the remaining amount of debt that you owe will be written off. IVA debt consolidation strategy is initiated by the debtor and must be set up by an insolvency practitioner through the county court. The stigma associated with bankruptcy is not here with IVA.

Has anyone ever had any experiences with RJM Acquisitions LLC NY? I received a letter in the mail from this company about three weeks ago about a fingerhut account that I had 5 years ago (or more).

Hello everyone, with all the discussions about SOL I was hoping someone can help me understand my state's SOL further. A quick search on the web shows the following about Arkansas's SOL : Oral agreements : 3 years Written contracts : 5 years Promissory notes : 6 years Open accounts : 3 years Does credit card accounts fall under open accounts?