Debit Validation Laws
I received a notice from a collection company saying I owed them money and had 30 days to dispute. I have disputed the debit and recently received their validation. Within 5 days of getting their...
View ArticleWells Fargo "refund" is this a trick?
I received this letter on a long dead Credit Card, it is well past SOL and seems to have been sold a couple times. Is this a trick or a way to get me to reset the SOL? wells.pdf
View ArticleNeed Advice (Lexington law Member)
Good Afternoon, I am quite frustrated today due to a debt collector who contacted me demanding payment TODAY. Allow me to explain - I was an independent distributor with a marketing company called...
View Article$100 Macys debt purchased by JDB, pay for delete?
So i have a small Macys debt that i want to get off of my credit report. I just got the initial letter from the JDB that i need to respond to within 30 days. How can i word my response/ denial of the...
View ArticleContract by email legally binding?
If I do a PFD all through email is that a legally binding contract if CA agrees, Or is it best if I just do it through mail?
View ArticleClik here to view.
Being Sued in Texas by Portfolio Recovery
Very simple I am being sued by PRA in Texas I received a Civil Citation for a Debt Claim Case 1. Who is the named plaintiff in the suit?Portfolio Recovery Associates LLC assignee of XXXXX bank XXXXX...
View ArticleBeing sued in Michigan for something I paid
Hello, so I got a summons/ complaint. It was issued on April 6 but I wasn't handed the document till may 15. It stated the amount of debt that I owed. I'm being sued by CASH LLC and I payed them on...
View ArticleReceived collection agency letter for medical bill we never received
I was wondering if anyone had ever run into a situation like this, and how they handled it if so. A year and a half ago, my husband had an operation with all the multiple associated medical bills that...
View ArticleAdvice Sought for Lawsuit Filed For Citibank Cc Debt
I had a credit card with Citibank which climbed to a balance of $27K. Over the past 3 years I defaulted on this and a few other cards due to a downturn in my business and loss of income. The debt was...
View ArticleDebt collection for debt that is not mine - help pls.
Just recently I received a letter in the mail from a collection agency in re Direct tv (of which I have been a customer for 15 years in great standing). I called immediately to let them know I have no...
View ArticleHelp with charge off
I have a charge off for carolina finance for 3520. My credit report shows no open collections so im guessing the are waiting to send it to collections. It was charge off in may 2012 with a date of...
View ArticlePay for DELETE?
Okay. I know all advice states contact JDB through certified mail. I just have one simple question. If I have decided to PAY the items off and with for a PFD, then can I just call them or go to their...
View ArticleMCM pre-legal notice
Ive tried my best to understand a previous thread I found, but i got so confused. I have an old CC from Amazon that I got back in 2014, I made timley payments on it untill I lost my job and had to...
View ArticleAMEX collection
Hello everyone, I have approx $11,000.00 in collections from 3 cards from AMEX. I was told arbitration is the best way to resolve this issue. facts: - i have not been able to make any payments in the...
View ArticleLandlord sent me to collections
I went through this credit repair journey with success, mostly thanks to this board. I bought a home a year and a half ago! Last month, a new collection appeared on my credit report. My former...
View ArticleClik here to view.
Settlement Letter from Asset...where to after DV?
Asset Recovery Solutions, LLC sent me a collections letter stating they would settle for 90% of an amount of, let's say ~$2300. I sent DV letter and got back 3 statements with the most recent showing...
View ArticleSued By Cavalry in Georgia, could be SOL?
Was served in person with paperwork on December 18th. I'm wondering if the SOL applies here which from what I've read in the forums would be 4 years in Georgia? Here are my answers to the...
View ArticleJudgement from September 2015
I have recently pulled my credit report and saw that I have a judgement for about $2100. It is from CACH LLC for a CareCredit card that I had.. I didn't go to court for this.. How can i get this...
View ArticleCredit Report Is Clear Except For 2 Small Medical Collections
Hey everyone, around this time last year I discovered I was a victim of fraud and had a number of inaccurate items on my report/things in collections. I filed a police report, underwent disputes,...
View ArticleRegions Bank - CA sending a demand to the wrong name - Violation?
Hey Folks, I've had a CA send me a demand for Overdraft Fees originally with Regions Bank. (about $500) Thing is, they've sent their collection to the wrong name, sorta. Lets say my name is: Samuel...
View Article