New and need help

First of all someone will be along shortly to assist you. Do not give out any banking information to anyone because that basically gives them the right to debit your account whenever.

Please register on this site it gives you the opportunity to speak to someone in regards to your financial options, call the 1-800-601-1579 to speak to someone or click on the right side of your screen to speak to someone right away.

ladybug

Welcome to the Community Mike :D Ladybug is right- don't give them your bank account info to be on the safe side.

Don't know about the others, but WW&R are asociated with LVNV, and don't like to play fair. The had told me in the past they would accept a settlement and didn't. This was before I found this site, and didn't get it in writing. Have recently dealt with them again-still not playing fair.

I am assuming that you have sent them a debt validation to make sure they have your debt?

If you register with the site, it's free, you can take advantage of the free credit counseling.

I have told Ca that I am not giving them my account info- and sent payments with a money order,even to the ones who said they don't take money orders and they have never sent it back.

Feel free to ask question-we are here to help and guide you.

Only you can make the decision of what and who to pay or settle with, but make sure they have your debts and you get any and all in writing..Karen

I am now signed up and will start using the site more effectivly. I didn't send the DV letter since it has been past the 30 day mark. I know that NAFS is holding the debt. I verified it through the original creditor. I am just very nervous. I want to make things right but I can't strap myself either.

Welcome!! You are right, don't strap yourself when deciding to make payments. I have always set a fair payment arrangement, some take it, some don't. They will always ask for more-if you don'thave it, tell them what you can afford-but get the final agreement in writing,that way, a few months down the line, they can't say that you are'nt paying them enough!

Good Luck to you..Karen :D

NAFS sent me a letter in writting outlineing the plan. I think it is a fair payment plan. Can I still ask the other 2 companies to validate the debt? What happens if they companies won't take payments and I get sued?

If you aren't sure if the other companies have your debt and can legally collect on it- send them a DV. I have been dealing with a CA for almost 2 years, they pass it around and around,especially now they know I know my rights as a consumer.Keep all correspondence and notes-you may need them.

WW&R didn't validate mine-but my original contract was signed 23 years ago.

I am not saying to not pay your bills or what you owe- just that to make sure the right people have it and can collect. If you know this to be true and they won't accept payments- I ahve sent them reasonable payments by money order, kept track of the balance, and they never have turned them down. I also sent a letter with each payment,made copies and said this is payment #1 for xx dollars which leaves xx dollars balance..KAren This is rather confusing-hope I didn't make it worse for you :lol:

Is there a sample DV letter that I could send? Sorry If I am asking alot of questions, just really want to get the ball rolling on this situation.

Here is one that may help you

The collection agencies you listed....

Information on all 3 of them is listed at

budhibbs.com/coll_to_avoid_list.htm

Addresses, web sites and other good information.

Thanks. It turns out that Bronson & Migliaccio is working on behalf of CACH, LLC. Anybody know about this company. Are they a bottom feeder. I have consulted a lawyer as well in case thins go to litigation.

CCH, LLC is among the worst of the bottom-feeders. Look at this: budhibbs.com/am_worst_collection.htm

Always remember to check your state law as well regarding collector/debtor issues.

Let them know that an unreasonable payment plan is being proffered to you. Yet, ALWAYS and I saw ALWAYS make a counter-offer to them, they always shoot high to make it somewhere in the middle, especially if it's an attorney. If you leave it open, they won't do anything as they most likely think you're b-sing them.

I have offered the companies what I think is a fair payment plan. They say I owe $9700. I offered $150 month over 65months with Balance paid in full at end. They told me that they could let me do $260 a month if I had $1000 to put down. WIth the holiday I have no spare money. I am sending out DV letters today. Also with NAFS they have accepted my payment plan but say they need back account info to do E-checks. I am going to offer to do money orders, what if they say no?

I had some that said no to money orders and wanted my account info- I sent them money orders anyway, with a letter saying this is payment #1 for xx dollars-did that until it was paid off. They didn't refuse my money--but make sure you make copies of the money order and any correspondence you send..Karen :D

Okay. My first payment is due by 12/31. I am looking forward to getting all this behind me. I am just hoping I can work somehting out with the other 2 companies befor it goes to court

Don't hold your breath on WW&R- search on this site- others have dealt with them-some have been taken to court. It's important you know your rights and they follow these.

It is a relief when you get these behind you, just don't over extend yourself like I did once- then wasn't able to make the payments!

Good Luck..KAren