Accepting an installment offer from JDB
My husband owes a credit card bill that was sold to Portfolio Recovery. Instead of fighting this he wants to just accept their installment offer of $25 per month. I am going to write them and accept...
View ArticleSeeking a bit of advice on collection
Hello! My son just received a collection letter from Convergent seeking a settlement offer on a balance of $782.84 for a Paypal account owned by Comenity Capital Bank, I monitor my sons credit...
View ArticleBeing sued by Razor Capital
Just received a summons to appear in court for a old debt from 2012. In the complaint it states that I need to appear in court on February 3rd or a judgment by default would be held against me in the...
View ArticleFDCPA Debt Validation Myths
DEBT VALIDATION MYTHS The following are based upon misconceptions regarding the Fair Debt Collection Practices Act (FDCPA) U.S.C. § 1692 *NOTE* An initial communication is the first communication...
View Article? on disputing old collection that is outdated - came back verified
I need some direction on a dispute I made on an old collection. I had a car repossessed 8 years ago and it was sold after they repossessed it. They reported that I still owed $2800 but the account is...
View ArticleSued by Midland Funding LLC in WA state
I was served papers last night (I wasn't the one that got served even though it's for me and is it normal to just get papers stapled together and no envelope?). What is my next step? What do I do? The...
View ArticleAnonymous caller every day
Hello, I'm new here, but had a question about a, I believe, CA. They call from an anonymous number every day a few times a day. They actually have been calling my parents house, which is strange...
View ArticlePortfolio recovery associates
I was served yesterday by PRA for 2 suits. I was served at home. I have been out of work and am under medical review for disability. The papers were signed by an attorney in Norfolk, VA, notarized...
View ArticleCapital One/Sherman LLC before I Panic!
Hi all, So forgive me; it's been awhile since I've had credit problems, but last year was a rough one... SO I had two cards with capital one that both charged off about 6 months ago...... I just...
View ArticleHELP! Must clear collections for Mortgage finalization!!!
Hi Everyone! I received a pre-approval for a mortgage (YAY!) BUT I have to clear up some credit report items before the loan is finalized. The items we have to clear up are 3 charge-offs that show...
View ArticleBeing sued by Cavary Spv I, LLC in California
My mother just received a letter saying she owes about $40,000. It is a "Notice of Levy Under Writ Of Execution" It was mailed 1/4/17. Prior to this, she said she received no letters and/or phone...
View ArticleBeing sued by capital one
I'm being sued by capital one for a credit card debt. I am working with a debt consolidation company. Should I contact the law firm that filed the suit?
View ArticleRegarding reporting and pay-for-delete
This concept of "pay-for-delete" is something that I came across while researching about credit repair. I was an idiot and defaulted on loans/became unemployed. The majority of my debt is student...
View ArticleFirst Notification from an attorney of medical debts How do I Respond?
I have 2 debts to a local hospital for a $300 and a $7,000 debt. I have been notified by an attorney that they are seeking to collect for an operation my wife had last year. It's the 30 day notice in...
View ArticleSued by Portfolio Recovery in TX
I have not been served but I know its coming because I recently received solicitations from attorney's telling me I am being sued by Portfolio Recovery. Kids said someone came to the door yesterday...
View ArticleHow to handle 2 year old $175 medical debt on CR
Hi there! I've been lurking but I keep getting conflicting information /: I'm also fairly young (21) so I think a lot of it is flying over my head. I found this on creditkarma today, and it...
View ArticlePortfolio Recovery Questions
Hello everyone new here and lots of good info! I tried to settle over the phone today with PRA. I have $4000 between 5 accounts they bought. Apparently they have a cease and desist on 2 of them and...
View ArticleBank levy rules California
how much leeway are banks given around when a bank levy gets enforced. Everything I've read states funds should be frozen at time of receipt. So for example if a levy is served at 2:30 on a Friday...
View ArticleIf you have LVNV on your CR - READ THIS!!!
By the way...we really need a sticky about LVNV and their 8000 different aliases, as there's always confusion about the relationship between LVNV/Sherman/Resurgent, etc.Mods?
View Article1692g - Collection Agency Notice Excluded Language Regarding Dispute Period,...
I’m trying to find out what rights or recourse a consumer has when a debt collector fails to comply with the section of the Fair Debt Collection Practices Act (FDCPA) that involves US Code Section...
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