Hi, I was being harrassed by Encore collection agency over a debt that is a few years old. I wrote them and asked for validation and never heard back from them, this was several months ago. NOWI am hearing from an altogether different agency. Got the letters in today mail. Why didn't the other agency just send the validation when I asked for it? could this mean that there might not be any? This new agency is called encore ---if anyone knows anything about these people, please share. SO...do I respond right now with a validation letter to them?

How do does your company calculate the interest rate on the debt consolidation loan and do you approve all persons that apply?

I have a lot of credit card debt. I have never been late or overdue. i pay $450 dollars a month over 3 cards. and i would just like one bill. Wj\hat should i do since i am not the traditional credit problem

Hi All, I am too a vitim of the dreadful EC. They also threathed me. I am also a vitim with the payday loans and have filed bk. My lawlwer told me to ignore them he is sending them a letter. He said that if they try to sew me he is going to sue them bastards himself and make me some money. I love my lawler. You know thoug no more payday loans for me. I ahd palnned to file bk anyway and was sure if I could include them he said sure those payday loans needs to be put out of business. I felt so much better reading everyone's letters. Thanks guys. I can smile now.... :D :D Chris

Were is your company located??

if I enroll in a program that allows me to make one monthly payment, am I not able to use the credit cards again

I received a call today regarding a payday loan I acquired through FSM Group. I was caught off guard because the company itself never contacted me in writing or via e-mail. Then I get this call from I believe a collection agency telling me that I have two charges against me and the amount allegedly owed. I questioned the amount and the person hung up the phone. I called back a number of times because I wanted the name of the collection agency and an address (as I have never received any correspondence from them). Again, they hung up the phone.

Since Ellis Crosby and Associates have been suspended, do I still have to pay them money? Or should I wait until their suspension is over? Thanks for any input

Can you advise me of the fee imposed for debt consolidate services.

I spoke with zwicker and ass. earlier this year, agreed to a settlement and wasnt able to pay it b/c of money problems that came about in my home. someone from zwicker called and told me that my account is up for litigations and that i would have to pay atty. fees and that they would start taking money from my husbands paycheck since i wasnt working.can they do that? im still not working and now i dont know what to do..please help