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i will like you to help me to how to pay all my bills in one card and not to worry about late fees ect

Karen, this is not the company that you are looking for here. Please contact them at the address and phone number mentioned above and place your request.

this bank AMERICa is a gold diger and my husband just gave them 175 dollars last month and now they want 495,00 dollars .my husband told me they put fee of 60 dollars last month,i saw he said in the telephone ,loan shark ... the credit card BANK AMERICA they send to him after his mother dies in 2004 was a 5000 dollars credit card .since 2004 he pays them already 1000 and now he needs to pay 4000 dollars.when his mother was alive my husband, and my brother in law had 17000 dollars in a joint account in bank america and i think my brother in law took all the money because he is a responsable brother... .he pays the condominium here .after that bank america send a credit card to my husband of 5000 dollars and know BANK AMERIca wants to robber all his disability check .other thing they didnt send a statement this month.i want to thanks this forum more one time.

Hi Tania,

Try figure out how much you exactly owe to them. If it seems that they are charging more than the exact figure, contact them ask for explanation. Negotiation is the best process that can help in this matter.

Also you have mentioned that this account is a joint account. Then why are you taking all the responsibility alone? Ask your brother in law to share the obligation as well.

april 03 payment by phone $60,00+10 dollars (fee)and periodic finance charge IS$59.97.IN THIS ACCOUNT OF BANK AMERICA MY HUSBAND is paying only the periodic fee:$59,97 -$60=3 cents left to pay for this account.the minium payment was224.37 in april and in may is 299.64.

bank america monthly maintenence fee is 5,95 dollars.my husband call bank america and told the lady from bank america this is illegal.i think is illegal,because i have everything FREE IN WASHINGHTON MUTUAL AND I HAVE LITTLE MONEY that my family give me.other day i didnt have enough money in my account and i have a 30,00 fee and i went to the bank and they forgive me a fee of 30,00.i told my husband dont use bank america for pay his bills but he dont listen to me.i'm in washington mutual for 10 years and they never charge me any fee in the cheking account and they give me now a gold credit card (gold debit )with a master card and i deposit only 300,00 for month in this account.bank america charge overdraft fee for activity 4-10 amount 31,00 for a check post in 4-06 of 60,00 check number 255*(this asterisk shows a break in the check number order.your check may have been in a previous statement or may still outstanding.overdraft fee of 31,00 in 4-10 and monthly maintenance fee of 5.95.total charges and others fees 36.95.the fee of 5,95 just get very illegal here .

can a fee of overdraft increase in 3 days?5-09-06 the overdraft fee is 31,00 and another fee in 5-12-06 for overdraft is 34,00.is this legal?

Tania, the calculations are done on a specific date. If that date came in between 9th and 12th of May, I guess it's possible.

bank america didnt send statement this month of june 2006.bank america send only fees or notice of overdraft 2 times and no statement to proof my husband owe 65.58.my husband told me they OVER charge him 2 times(insuficient funds) with 2 checks and he knows this people are doing wrong things with him.(my husband told they dont have atm machines,they only have cassino machines and they are always winners).they send (BANK AMERICa)a HORRIBLE letter like this to my husband;"A reminder notice to overdraft in the amount of 65.58.pleaSE MAke arrangEMENTS TO DEPOSIT THE NEcessary funds.if your account is CLOSED DUE TO OVERRRRRRRRRRRRRRRRRRRRRRRRDRAWN BALANCE.YOU MAY SEND A REPORT TO Check sySTEMS,INC.AN ACCOUNT VERIFICATION SERVICE,STAting that account was closed because unsastifatory handling.this may result in you being unable to establish an account in any financial for up 5 years.,even after you repay the debt.if you have any QUEStions....please contact customer service 18004321000.tHanK YoU.MY HUSBAND TOLD ME HE GOES TO PAY NEXT MONTH AND I ASK HIM:WHERE IS THE STATEMENT?HE CANNOT SEE BECAUSE HE IS BLIND and bank america didnt send one statement and i didnt show this horrible letter to him. bank america can give A statement when you paid 5 dollars.where the statement(june @6))^) of this month? i think is free or ....JUNE 2006 IS HIDDING ILLEGAL CHARGES? .the cat DIDNT eat THE STATEMENT OF JUNE 06 and i'm so sorry because i love cats and i havent a cat now.i know big sharks eats everything and this is abusing people and is MORE THAN ABUSing.this letter is a abusive letter and needs to be report.THIS MONTH YOU SEND 5 MONEY ORDERS AFTER THE BIG SHark appear and make a hole of 65.58 in his account.

yesteday bank america send only the bill of credit card account and forget to send the statement of june 2006 to show us why my husband has to pays them a $65.58 for insuficient funds. my husband told them to close the credit card account because they charge many fees for this account.i have a Letter here of Bank America that he Can Pays only 75,00 for this account(forever) and my husband is paying 75,00 a month.but bank america is a bank with no word (I have a letter to proof)and if continue like this go to be the next bank i go to complaint to attorney general of florida.the balance is high about 4178,69 and they not supost to give this money to my husband because my mother in law have a account before with my brother in law and my husband that didnt know about his name in this account(17.000).my brother in law took the 17000,00 and is paying the condominium here of 145,00 a month. when my mother in law dies my husband go to this bank america(many times,maybe 5 times) and want to open a symbolic ACCOUNT in the name of my mother in law (100,00,THE LAST MONEY HIS MOTHER GAVE TO HIM)and he went 5 times or more trying open this account in her name!!! the people of bank america saw he was mental ill and blind and THEY GIVE A CREDIT CARD TO HIM of 5000,00 or 4000,00 i'm not sure.MY HUSBAND DIDNT WANT TO spend the 100,00 bill and keep this note in the collection book.ny husband use this credit card of bank america to pay citibank and other debits.now the bill is like this:total credit line 0 and overlimit amount is 178,69 and minimium payment due is 253.96 and post date is jun.2 trans.date jun 1 ref.no.877 PAY BY PHONE CR$75,00 and june 2 paY BY PHONE FEE 10,00 AND PERIODIC FINANCE CHARGE IS 42,74.

my mother in law dies in 2004 and in 2004 after he tries many times (5 times or more)to open a account of a 100,00 in her name(last money she gave to him and he wants this account in savings only in her name )and after that he goes to crisis in jackson memorial hospital and when he came back BANK america gave a credit card to him of 4000,00+ (2004)and i just cannot believe that.i think they are more crazy them him.

i just call customer service of bank america in the telephone for customer service 1800.432.1000.i told the lady my husband is blind and they are not send statements of his cheking account to him.i told he has 65.58 in fees(insuficient funds)and i need to see the statement of his checking account becAUSE he is telling me that they are overcharging him.the lady told me that I'm not in his account and only him can do anything about it and he dont call them.i told her that i go to tell the attorney general of florida about bank america that discriminATe AGAINST MENTALLY ILL , blind and poor people and i go to send all the letters bank america is sending to my husband with no statements of checking account. bank america didn't send checking account statement this month and overcharged him for insuficients funds.i told her that i'm his wife for 23 years and i have the right to ask for a statement for my husband that is blind and mentally ill.she told me they have a special statement(the statement that is 5,00?)i told her that i want a statement free because they(bank america)are supost to give 1 free statement for month to customers .she fininish telling:"thanks for chose Bank America" and i told her:-i didnt chose this bank!!!!!!the

bank X america didnt send a statement of the checking account of my husband until today and the month of june 2006 is almost finish.my husband has 65.58 negative and they didnt send a statement of june 2006.i told him to call bank X america because with the statement of his checking account is the only way i can see if he owe 65.58 for insuficient funds.(OVERDRAFT).my husband has mental problems and he dont want to call CUSTOMER no service(UNTIL NOW,no service) 18004321000 to tell them to send a statement of his checking account that he has the right to receive every month.(1 time a month and not 0 time a month). what i can do for this people send statements to him? i call already but they told me i'm not in his account.i told them the "problems of him and that was his wife!"i think if he is blind they are not supost to charge him 65.58 and send letter against him for the amount of 65.58 without the statement of checking account of bank X america june 2006.the statement of june 2006 was never send to proof anything. MY HUSBAND TOLD ME THEY MAKE the insuficient funds for him and they are rude,dont help him when he calls.is not illegal practice they only charge for 65.58 and forgET TO SEND a statement from checking account ?please anybody tell me how i can make they understand (bank X america)that every bank send one 1 statement a month and is illegal dont send a statement because you cannot see the transactions in the checking account.bank X america is not a american dream is the opposite.bank america is a bank versus X america.please i need my guardian angels of debt consolidation care forum to helppppppp meeeeeeee!!!!

Bank america didnt send statements from checking account and every month was overdraft without the proof because the only thing the people of bank america send was the bills for my husband pays (overdrafts without statements).now nco
Financial systems,inc send a collection letter from bank america the principal is 25.63. Cost of collections is= 58.06 . Nco fee=$58,06(i thing this is very illegal)total balance is 83.69.rergarding
Personal overdraft 25.63+fee nco 58.06= $83,69 ncofinancial.com pay on line.you unique registration code is m19180.tel 1866-889-6745.i m sure my husband dont own 25.63.+fee 58.06..nco financial systems,inc.more suprising is that bank america send a statement of cheking account today after my husband close the account and nco too send a letter today.the cheking account is not negative.we just paid 71.63
And ending balance was 0."because your my access cheking has closed you will no longer received a combined statement to continue this service".... Which service ??I told my husband to close bank america account or you go to pay every month falses overdrafts .we are free

Of bank america forever!!!Alleluia!!!!!!

i forget my husband has a credit card of bank america
and he is paying every month 75,00.the problem is that bank america wants all his disability check to pay them.they began to make overdrafts in his account illegally.

Money for peanuts 25,63 plus fee nco financial
Systems=58.06.bank x america and nco financial
Systems.inc (nco the queen of frauds) in combination to stealing money
For by peanuts from a blind mentally ill with disability check of 600,00 a month.forgery bills is not illegal?

I don't understand. Try not using the card if you are unable to pay the minimal monthly payment. Just rest assured knowing they can't garnish his SSI check. And forging bills is illegal.

I DONT BELIEVE BUT is truth.the account of
baNKXAmeRICA (CREDIT CARD) OF MY HUSBAND
DISAPEAR .MY HUSBAND CALL TO PAY 75,00AND DID
FIND the account.the same estory again.they dont charge you no more and 4000,00 go to be 10.000,00.
my husband opened this account in 2003 and is never late.i think BANK Xamerica have a plan.bankXameRI
RICA IS CHARGING A 30% OF %THIS IS A LOAN shaRK
SAY MY HUSband.i have a letter here in 2003 for
this account that they lost a payment of$250,00
"thank youfor your inquiry regarding the charge of 250,00 which appeared in your credit statement.
you claim concerning this disputed amount has been resolved.our research is completed and the tem
poraly credit previously issue to your account is now permanent.dec.3,2004.t.rainey.bankcard service CLAIMS DEPARTAMENT 18007592334.I THINK BANK
AMERICA WANTS many things.i think BANK AMERICA
CREDIT CARD OF MY HUSBAND IS MISSING FOR good.

i think these 2 banks are out of control????
refuse payments and disapear with accounts for
charge 2 times or 3 times more is a big business
and some dirty collections or some dirty lawyers
really dont caRE IF YOU LOOK LIKE OR NOT.
SOME BANKS LIKE chase bank and bank america no every time wins$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$take
my poor husband to the COURT PLEASE!!!!!

i dont remember my husband get this visa in 2003.why
bank america change the date 2004 for 2003.?in the credit report said since 2003.the credit card of bank america is since 2004.my husband only was in the joint account with my mother in law and my brother in law in bank america in 2003.after my mother in law dies they give a credit card for him.after my husband came from the crises of jackson memorial he get this credit card.i have all letters here.i have to research all papers here.can a bank lie about a credit card in the credit report?maybe i'm imagining things.can a bank disapear with a credit card my husband is paying every month without any reason?he was giving 75,00 a month and i go to investigate and separate every proof i have here.

BANK X AMERICA IS NOT REPORTED in transunion of my husband j.alvarez in 2003(date of report printed is 10-09-2003)Bank x america said in the credit file of equifax2005 that this account is from 9-2003.in transunion of 5-16-2006 the minimium PAYMENT is 75,00.(B.XAMERICA CREDIT CARD).my husband was giving 75,00 like the credit report of 2006 show here a 75,00 minimium payment,i have many statements here of my husband paying 75,00 for month in 2006.i have to ASK equifax to make a investigation here.i dont remember my husband with this card in 9-2003 and my mother in law dies in february 2004.he wants to open a account in bank america for his dead mother in 2004.he went 2 or 3 times in this bank america and in may 2004 he was in
the crises j.m.hospital and i think after february 2004 bank america gave this credit card to him.i cannot believe why this people gave 4000,00 0r 5000,00 credit card to him.the BALANCE(OCT 4-2006) was 4084,84 AND last payment my husband did was 80,00 in oct.4-2006 and next one is only 11-08-06.(8- novemBER 2006.fEb 8-06 he paid 75,00+late fee of 39,00
and march (3-1-06 )75,00 +finance charge.they put february and march in the same bill.i found a letter here from march 15,06-06payment should be mailed:bank america po box 60069 city of industry,ca 91716-0069.l(LETTER FROM MARCH-2006 BUT THEY CONTINUED TO CHARGE HIM in his credit card statement until october,2006.only in november 2006 the account disapear,evaporated and i think this is really illegal!!
SIGNED L.BROWN CARD SERVICES.MY HUSBANDis blind and i didnt
see this letter.my husband continue to pay in jun.2 -06 a 75,00 and fee 10,00+finance charge 42,74 and overlimit amount is 178.69.the total is 4178,69 and minimium is 253.96.??in credit report minimium payment is 75,00.i dont understand baNKXaMERICa people because my husband are giving them a 75,00 a month.my husband is blind and mentally ill but he is
very honest man.i told him to go bancarrota because
he has lost his job of a 1000,00 a week,he cannot drive no more because since more than a decade he has retina pigmentosa in both eyes.my mother and my daughter just send 600,00 for i pay the bills here and i paid all the utilities fpl 158,00,45,00 phone and internete,cable 20,00 and j.penney 28,00 for a bill of 600,00.we received only 131,00 from food stamps and his disability check is only 623,00 for pay all CREDIT CARDS here.he told me yesterday bank america and others are robbing him with many fees%%%.i cannot take his money(be his guardian) because life already has taked many things from him.his family is me.his family aunts,cousins never call him,other day i have to call his brother to call here.it's a shame
that my brother-in law lived for 2 years here in west palm beach and he never take my husband and me to his house.i'm against bancarrota (bankrruptcy?) and i think is more than fare pay bills that we own.my problem is that my husband is giving all his disability check 623,00 A MONTH to pay all his bills and some banks
and collection agencies ARE OVERCHARGING HIM.i hope
GOD GIVE TO THIS people what they really deserved.
NO FEAR.

T. you most certainatly can take over payeeship of your husband's disability check. If he is disabled and shows poor money management skills you can apply and become his payee, you don't have to be a person's guardian to be their payee.

MY HUSBAND wants account of his checks with him.he dont give me his pin to deposit money for him.tomorow i go to deposit money in his account for he pays the bills here.he wants to be a man of the house.he is a very difficult person but i love him
because he has a good heart and a very nice human being.he dont want me no more in his account because some bad people are robbing all his money and if i have a account with me you known...i accepted this situation and all my planes a,b,c,d have failed and that's it. a person that needs urgentely treatment and refuses.many times i went to hospitales with him and they did not for him.my father was a excelent doctor and he cares for all patients.if a patient needs to take medicine he put on the food or juice,etc...he never in his life
leave a patient without treatment.he didnt care if a person was poor because many times he gave the poor medicines from laboratories.my father hates communism.in my house always you divided everything until a piece of cake.my mother still alive and is a wonderful person.in my house was 6 kids and a woman that was the best baby sitter in the world and live in our house
for 57 years.she was retarded but she loves children and people.she dies in 2004 with cancer (a little black human with a tremendous heart.

NCO COLLECTOR just call my husband telling him he didnt
paid BANKxamerica credit card.my husband has called bank america 3 times trying to pay the credit card from bank america since the begin of this month (november 2006 )he is not late !!!credit card vanished and NCO MAN IS TELLING MY HUSBAND HE DONT PAY and BECAUSE this the bill is with NCO now.THE MAN SPEAK ENGLISH WITH STRONG ACCENT
AND I TOLD HIM;-i didnt understand you because your english is worst than mine.he said if i think i speak better than him.i said yes and i told him that
i dont work with customer service.THE CALL CANNOT BE TRACED.HE TOLD US HE WAS TAPPING THE CONVERSATION.I TOOK another PHONE THAT MAKE ANY CONVERSATION FINISH and buzzzzzzzzzzzzzzzzzz the only account missing and found in NCO collection agency of the CHARLATanes.

bank america credit card was paid in october 4 -2006 80,00 for my husband.pay by phone fee is 10,00.periodic finance is 40.63.overlimit amount is 84.84.minium payment is160,11 for 11-08-2006PREVIOUS BALANCE IS 4114,31 bank X america CREdit card IS NOT A JOINT ACCOUNT.
"WHAT IS YOUR NAME?"MY NAME IS WIFE,I TOLD THE NCO DEBT COLLECTOR YESTERDay.11-09-06
the next payment is ONly :11-08-2006).my husband was looking for bank america
credit card IN BANK AMERICA CUSTOMER SERVICE since the begin of the month of november-2006 =bankAMERicA CREDITCARDvanished befoRE TIMe!!!
my husband wants to pay this account of bank america that is no more in bank americA BUT WITH nco. NCO DEBT COLLEctoR-11 9-06YESTERDAY) TOLD TO MY HUSBAND:"YOU DIDNT pay your BILL THIS MONTH".i think i dont go be worried with bANK AMERICA AND NCO collection agency DISHONESTY AND faTAL DECISION.
my husband dont want to file bankruptcy because he hates BANCARROTA.MY HUSBAND ALWAYS PAYS HIS BILLS
and he has only his disability check of 623,00 right now.if bank america and NCO WANTS MORE MONEY...THEY HAVE TO TAKE MY HUSBAND (AND mE)TO THE COURT AND IS THE BEST WAY to get a piece of a property we have here?we have a lot
of questions to answer0000... and i can answer for my husband because i can see with my eyes what he cannot see because he became blind.today is 11-10-06 and now bank america cannot tell lies.all people of debt consolidation care MEMBERS and all people that read my posts know the truth. bank x americaXcredit card vanished since november 11-4-2006 when my husband received his disability check 11-4-06 he tried to pay his bill on time (3 TIMES). I asked him
the due date and he told me was 11-04-06.people are telling him lies because he cannot see.i have all statements and papers of bank america here.LAST TIME WAS THE SAME THINg LIKE chaSing HONESTY PEOPLE and abuSING A PERSON like my husband and try to take all
froM a person that havent nothing and only have a person that really loves him:tania alvarez.

the same letter was send feb. 1, 2006 and i received today in the mail(11-10-06)."your account has been overdrawn for several weeks and is currently overdraw 14.85."i have both letters here and my husband close this account.nobody sign and only the name of the bank of america.customer service center 18004321000.they say if my husband dont pay this fake overdrawn 14.85 he goes to have problem with other banks.report to checksystems,inc and call customer service18004321000.refer your account to a collection agency or attorney????is this a joke?14.85(2)times the same 2 letters.2 letters with different dates.carbon paper and duplicate of a dirty game.

i'm not lying.my husband told me these people wants to finish with him.i think i go to send everything to EQUIFAX TO INVESTIGATE BANK AMERICA.

BANK OF AMERICA
P.O BOX 2493
NORFOLK,VA 23510
FEB.07,2006
RE:4427********_0***
FEB.7,2006
DEAR *.ALVAREZ:"THANK YOU FOR YOUR COMMITMENT to resolve the deliquency of the above reference BANK OF AMERICA ACCount in support your decision bank of AMERICA HAS AGREED TO MODIFY THE TERMS OF YOUR ACCOUNT FOR THE NexT 12 MONTHs AS PART OF a reduced payment program.your monthly will be reduced to 75.27.no late or overlimit fees ..annual percentage reduced to 12.000%".since your account is closed...,any credit cards or... Convinience Check Transactions ..(.OVERDRafts )made will be not approved."No WORD= BANK X AMERICA.
march 15,2006"we have made a change to reflect a neW CLOSing date of the 14 th day of each month.po box 2493
norfolk,va 23501-2393 L.BROWN CARD SERVICES.

LETTER frOM NovEmber 24,2003:acct#4427-***********and credit Balance is 0.00, (ZERO.ZERO.ZERO.=).00.dear mr.alvarez.we are pleased to inform you that your request for reinstatement of ChargE Privileges on your platinium account has been ApproVed..new cards have been ordered(1)AND SHOULD ARRIVE SHORTLY.SINCERELY MR.snoW BANK OF AMERICA CREDIT departament 18002425722 .EQUIFAX OF JULY 2005 SAID:4427***BANK america data openeD 9(SEPTEMBER?) OF 2003.ACTUAL PAYMENT WAS 150,00.IN equifax 2006 actual payment amount was 80,00 and scheduled payment amount was 75,00.BANK AMERICA IS NOT REPORTING THE CORRECT DATE OF THIS CREDIT CARD AND EQUIFAX GO TO RECEIVED ALL THESE COPIES I HAVE HERE.

yesterday the BANK AMERICA CREDIT CARD was released from NCO collection agency and returned alive and safe to the bank america account of my husband .my husband was desesperateD to pay his bill SINCE NOVEMBER 2,2006. TODAY,11-14-06,my husband told me bank america chaRGED HIM A 40,00 EXTRA FOR it.yesterday i send all papers for Equifax.I DID KNOW OF THE RETURN of
credit card b.america of my husband.my husband didnt sleeping in the night and in the morning he told me the neWS.

debt consolidation care forum is great !
thanks Vikas and all members of this forum
for always say the truth.thanks all of you
that take your time to help and teach people
about their legal rights.all of you are in my
prayers every day.

Hi Tania,

Thank you so much for showing your support. Your prayers make us feel stronger.

We appreciate your participation in the community and look forward to stay in touch.

Regards
Vikas

thanks Vikas for always tell the world the truth
and i really believe the only place better
for making justice is debt consolidation
care forum.
bank america is puting some people without
their businesses,their homes and didnt
care to make many overdrafts and dont send
statements to people.Vikas and all members:
-thanks for make justice for us.

i forget to tell about the new statement of bank america credit card.
payments and credits is 75.27
periodic finance charge is 43.15
closing date 11-15-06
payment due date is 12-o9-06.
pay by phone is 75,27 and the fee is 15,00
i told my husband to send money order all
bills and i can put his name in the money
orders and you can send the letter register
for people of his credit card sign.i
thing is cheaper than fee of 15,00 AND
I'M SENDING ALREADY SOME BILLs HERE WITH
MONEY ORDERS IN HIS NAME.(UTILITIES)BUT
HE DOESNT LISTEN TO ME.i dont go to put
more money in his account because he used
half of the money of my deposit to pay
his credit card bills and almost FPL TURN
OFF OUR light here .i have to give more
money to FPL AND I TOLD HIM I DONT GO TO
DEPOSIT MORE MONEY TO HIS ACCOUNT IN CITI
BANK and he agree with me.i think equifax
call BANK AMERICA ALREADY.i think EQUIFAX
REMEDY IS WORKING because bank america
send a new statement from bank america.i have all papers here and i can everything to
EQUIFAX anytime i see abusive charges and
abusive words in WRITTINg is a lot easy
to proved all bad intentions against my
husband.NCO...

i read in the forum of debt consolidation care the
idea of a money order with a certified letter to send
a money order to all credit cards to make people sign
when they received the money. it is a great idea from one of members of debt consolidation care.
thanks very much for all things i 'm learning every day in this forum!!!!
bank america disapearED with a credit card and NCO WAS...
telling my husband that he didnt pay his bank america credit card this month!!!!my husband was telling him(DEbt coLLEcToR Of Nco) how he go to paY if bank america disapeared with the credit card in bank america???
i think bank america is cutting some fees in this new statement.
payment has changed for 75,27 LIKE THE letter of bank
america i send to equifax . bank america employee
in their own words wrote that every month they go to charged only $75,27 to my husband.i think is a good decision and i send the letter to EQUIFAX.thanks all PEOPLE FROM EQUIFAX AND ALL MEMBERS OF DEBT CONSOLIDATION CARE.i send a infinity of papers here
and the truth is ONE OF my BUSINESS.

Nco call today and told my husband didnt paid this month and wants a payment of 83,00.
I THINK IS NCO FEE BECAUSE I HAVE A STATEMENT from my husband HERE OF BANK AMERICA 11-14 -06 PAYMENT RECEIVED OF 75,27 AND phone fee is 15,00.
MY HUSBAND told the man of nco the next payment now is only 12-09-06 of 75.27.
the man told my husband that he NEEDS 83,00 TO FIX HIS ACCOUNT.MY HUSBAND ASKED HIM WITH CHAPTER OF BANKRUPTCY(BANCARROTA)HE WANTS FOR HIM 11 OR 13???

NCO DEBT COLLECTOR told my husband that if he wants to be free of bank america account of 4067.72 only have to give him 83,00.!!!my husband told him what type of bancarrota (bankrruptcy)he wants for him chapter 11 or chapter 13? my husband hates bancarrota
and in his case was easy for him.(600,00 of disability check a MONTH)my husband wants pays all his his bills.he is very honest but he is not STUPID TO GIVE :
$83,00 TO ERASED A BILL OF $4067,72 BILL.i told my husband that was a bad man in the telephone but he didntWANT TO believe me.NCO PHONE 8882318186 nov 29 2;36 PM
AND i just go to take a day IN THIS WEEK for call this number fROM a public phone because is expensive for them.i learned this idea from a post of a member of debt consolidation care AND IS AN excellent idea!!!!

i think is a crime obtain illegal money like this . a man of NCO that wants to take some money illegally from a person blind and mentally ill.
i go to see if i put the aswering machine in my phone.i have a old machine here and my husband used in new york for taking orders for his job.i think he
dont want to put this machine again but i want to tape all voices of people that call here and i dont believe bad people go to leave their voices tapeD in the machine.i think that if we are paying all bills here is not fare people call here OR asked for illegal money(EXTORTION=NCO) BECAUSE IS a LITTLE EXTORTION of 83,00 and a lie about a debit here.is thIS type of GANG LIKE NCO THAT bank aMERIca is using.Like citybank uses NFS(Nco) and i dont understand which bank contracted LTD 77074 and POrtofolio RECOVERY TO continue MAKE EXTORTION to my
HUSBAND because is extortion when you charged wrong people and got away with a 1050,00 illegally
CHARGED to him.the name of my husband is not tania alvarez.A account UNKNOWN FOR ALL CREDIT BUREAUS LIKE
EQUIFAX,EXPERIAN,ETC.,,small extortions and big extortions are their business and my business is tell the truth in this forum.

NCO CALL AGAIN MY HUSBAND 18882318186 at 10;15amTO tell my husband to paid them bank america credit card account because BAnk America had sold the account to them(NCO ).
my husband told them that he is paying the BANK X AMerica and he goes to pay only the bank america.my husband told the man:-i go to pay only the bank america and not people from strEET.I LIKE IT!I LIKE VERY MUCH what my husband said to them.
my husband was sleeping and i only gave the telephone to him because they put a machine speaking his name like was a serious thing and the"THING" WAS NCO AND I REALLY like to see my husband understand what this people are trying to do with him.i think last time NCO MAN TOLD CLEAR TO HIM:
"GIVE ME SOME MONEY(83,00) AND you(my husband) didnt owned no more4067,72 TO BANK AMERICA" (if he paid 83,00 to NCO man).MY HUSBAND IS NOT A DUMMY!NOW GO TO BE really difficult convinced my husband thatNCO
IS A COLLECTION AGENCY that uses all types of illegal
things to get any money from any person.this people
dont care about nobody and take advantage of the poor,mentally ill, blind or any disability person is their bad business.my HUSBAND told he is not santa claus and he havent money TO give all this people that call here for donations or trying stealing his money.
my husband is really angry and he told me he already
paid bank america and is not possible that he cannot sleep in piece.MY HUSBAND HAD paid bank america since
december,2 or 3 in this month of 2006 a $75.27

my husband received here a statement of checking account of bank america with a balance of 14,95 DOLLARS.
THE statement period 11-07-05 trough 12-05-2006 HAD A 14.85 BALANCE.i forget to tell in the forum because NCO WAS CALLING HERE.
my husband had closed this account in bank america BECAUSE was a lot of overdrafts and i told him to close fast before he lose all his social security disability check.
my husband paid every begin of month a 75,27 to credit card of bank america.if NCO BEGIN TO CALL HERE
to harassed my husband telling hIM he had to pay again to them...i will complaint about NCO LIKE I DID WITH PORTOFOLIO RECOVERY ASSOCIATES AND LTD 77074
if NCO HARASSED MY HUSBAND that became blind and is mentally ill.

the call was received dec.12_-18-06 at 1:44 pm miami florida.NCO TELEPHONE NUMBER IS 18882491033.
the computerized voice told in the telephone:-if you are ALVAREZ...

AC 4427****BANK AMERICA:"WE HAVE RESEARCH the credit acc 4427****of bank america.the results are:the balance of this item have been UPDATED,.THIS ACCOUNT IS CURRENTLY REPORTED paid as agreed,with no late payments.this account is report as closed."EQUIFAX
DECEMBER 14,2006.
CREDIT REPORT EQUIFAX DEC .14-2006BANK AMERICA BALANCE amount is 4.007 and actual payment is 75,00 and scheduled payment amount is 75,00.equifax send me a credit report free!

NCO call now 8;30 pm in florida and my husband today
GET VERy ANgry.the man put a music and i told him to hang up and he didnt hang up.the man ask him if he was john doe and he told the man of NCO that john doe was the neighbor.(i was listening in the other phone)
he told my husband was NCO to charged him bank america account and my husband threw the telephone
far away.he thinks he had paid already bank america and people from streets (gangs)wants more money from him.
my husband said this people wants to make easy money
because he had paid bank america already in the begin of the month.

yesterday my husband cut his head because NCO and he was furious with the man from NCO.i think is not fare
BANK AMERICA tell NCO to call here to harassed a person very mentally ill and blind like my husband.i think is not fare because he is paying them 75,27 every month to bank america.my husband never treated bad any bad debt collector that call here.he told me people is trying to kill him.i agree with him and if happen anything to my husband and he dies ...i'll go to begin a war against these people and i go to paid them what they really deserves to be paid.i think my husband have to close
all other accounts and eliminate all big fees because
go to be easy for him but he is not listening to me.until now he only close bank america account and the balance is going down.maybe take years to pay but is better than take a life to paid.
debt consolidation care members offer me help so many times to pay his bills. my husband is not okay and he is not accepted any help right now because he is a really sick man and he still have CHASE IN HIS CREDIT REPORT AND only in 2008 Chase account go to disappear from his credit report (2008)and after take my husband to court for almost a 10.000,oo (9,267)AND WAS 4900,00 TO $9.267
and charge all fees all this years...
Chase BANK bought a city bank BP OF MY HUSBAND.chase bank agaIN wants a Account with MY HUSBAND..the truth is that my husband is a good business for them.i saw some western union here for payment of chase bank aCCOUNT and tHEY waNT MorE BUSINESS WITH MY HUSBAND(EASY MONEY)FOR chase bank and no hurt feelings because a 9.267,00 chase card (overpaid already?)IS not a problem for Chase BANK.
I IMAGINE how many people poor and sick lost their homes because these people.we didnt have not to lose and go to the court was best option for us.(o=zero)
ALWAYS I GO TO THANKS ALL MEMBERS OF THIS FORUM for
help me with the abuse against my husband and thanks
GOD FOR GIVE to us this blessing forum .thanks GOD,THANKS VIKAS AND THANKS ALL MEMBERS OF DEBT CONSOLIDATION CARE.I THINK ALL MEMBERS HAVE REALLY BE PROUD OF BE PART OF THIS FORUM.

bank america send statement of credit card of my husband and payment is 1-12-07 of 75,27.
bank of america po box15026 wilmington de 19886-5726.call toll free 18003463178.

bank america TOLL FREE 18007896685
*TDD HEARING-IMPAIRED 1800 3463178(******)

bank america 18882318186 december 28 call at 11:47 AM in miami florida.
BANK AMERICA call and hang up fast and didnt want to leave any message in my new answering machine.my daughter really give me a wonderful christmas gift!!

SORRY THE TELEPHONE 18882318186 is from NCO
AND not bank america and nco people didnt want
to leave a message for me.

NCO just call today 1888-2318186 daturday
december 30,11:40 am.i told my husband leave
this answering machine take the call.
the lady of NCO WAS TRYING to left a message
of a "important matter"(so important that
they told my husband another day that he can
paid them a 84,oo or another small amount
and he(collector of NCO) DISAPEARED with a
4000,oo he own bank qamerica forever!!!
the ansering machine get craSY AND BEGAN TO
make a big noise because the old fax machine
we have here.
i'm sure is GOD HELPING US.WE WANT to pay this account and every month my husband is paying
76.27 in the begin of the month.

MY HUSBAND JUST PAID BANK AMERICA A 75.27 in
january of 2007 and NCO CALL HERE with a machine today.i think this people have a contract with banlkruptcy for REceived money for a credit card insurance.
I BELIEVE what my husband told me some credit
card holders wants he goes to bancarrota
because is better for them.discover card
told my husband if he cannot pay the insurance
pay for it.is it the truth?
because my husband is paying every month bank
america and they tell NCO CALL HERE AND i
think is not enough for them.I THINK nco have no right to call here to harass my husband for
bill that is already pay this month.
i think my husband is right people wants
to force him to bankruptcy and is no away
"jose".