Heres a roundabout method to get rid of those creditor assholes calls for good- its kind of fun too...knowing they are so easily screwed (and they do so deserve it) a tiny bit complicated but well worth it.

Sign up for google voice- send in an invite request- eventually you will get your invite (I got mine in about 2 weeks)

Now change your phone number (s) that the collect agency has to a non-published #- apply that number to the google voice number you choose (you can pick your area code too) Contact one of the collection agencies and let the new number "slip" within a week they will all have the new number- now DONT give your "real" number- but the google voice number...when they call that number your phone you connect w/google will ring just as if they had called you directly. Let them call a few times so you can get ALL of the numbers they call from.

After a week or so of them calling- add the phone numbers they call from and what they give you to call back into your google voice directory- from here, you can select what you want to happen when they call- i have them blocked so they get a message that this # is disconnected. stops them cold-
Tons of other features- such as recording calls w/o consent..really helpful if you are in a state where you can do this legally- you will then not only have the whole call recorded, but also transcribed into an email and text forms.

You may wonder what is the benefit other than recording, why give them a number at all once you change #s? Its much more effective than just shutting your phone off- this way they think they have your real number...and wont go out of their way to search it out..another thing you can do is put there call into a different call method- you can have it just ring on their end when they call you but not on yours- you can have it go right to voicemail so you arent disturbed by their crap- you can block it or even block as spam which gives them a message that you do not accept their calls...and to top it all off, you can change your new google voice number as often as you wish
now the best part- its all FREE- not a trial but free all of the time...im having a blast with it screwing with these idiotic collectors- you have all of the advantages then and they have no clue- also G voice numbers are not searchable or listable in ANY directory, online or off. Just dont ever give our your real direct line phone numbers-
ooops, one more thing nearly forgot- you can apply as many phones as you want to the one phone number (i.e. home, cell, office etc.)

and no, i dont work for google or anything like that- Just thought id share the wealth-and once you are set up, its a great way to get rid of the maggots for awhile.
Peace
Callie

Hey, maybe someone out there knows the answer to this...and please, I need a factual answer...not just an opinion, ok?)
When a debtor is currently in a legal payment plan for collection account(s)...such as payroll deduction, etc., is it not ILLEGAL for a mortgage company, or FNMA DU (Fannie Mae Desk Top Automated Underwriter system) or LP (Freddie Mac's Loan Prospector automated underwriting system) to "Require payoff" of said collection? I seem to recall there being a Federal Law that covers that when someone is applying for a mortgage (purchase money or Refinance) that the mortgage company cannot demand payoff of a collection account or a chargeoff that is currently in a legitimate re-payment plan. I really need to find, read and forward that law/statute. Thanks for your help! Steve

I owe over 100k in medical bills because Blueshield decided to not pay for my 2 back surgeries and any related medical expenses due to them believing that Workers Comp should pay or I should pay as the patient. As a result, I have to claim bankruptcy but before that, I have applied for loan modification for my mortgage. I received a letter from a lawyer and they said one of the hospitals that I owe 2k for an epidural injection 3 years ago can take away my home because I own it. I have a large mortgage on it and am on permanent disability due to having the wrong diagnosis for my 1st surgery. I lost my job and live only on my disability checks. Does anyone know if my home is safe?

Several months ago my husband had to go to court for a credit card debt. They set him up for payment arrangements for 4 months now that time is up and the collection agency has called sta(ing that w*s temporary and it is time to increase the payments since he isn't even making an interest payment which is 10 percent a month of the debt in TN. I told him we couldn't afford what they were wanting because after a lose of jobs my husband already has 3 garnishments out of his check a week at ed percent each of his disposable income. He told me the court part was over and if we couldn't pay it would be treated as an involuntary to pay and post litigation procedures would take place. When I asked what he meant by that he told me if I wanted to know what they could do now to contact an attorney. We have always paid our bills and hit hard times a couple of years ago with loss of jobs and went from a 757 credit score to who knows;a foreclosure, a repossession (paid off), and numerous cc debt now past due and garnishing for them. Can anyone help me and tell me how to proceed in the state of TN. Thanks!!

Several months ago my husband had to go to court for a credit card debt. They set him up for payment arrangements for 4 months now that time is up and the collection agency has called sta(ing that w*s temporary and it is time to increase the payments since he isn't even making an interest payment which is 10 percent a month of the debt in TN. I told him we couldn't afford what they were wanting because after a lose of jobs my husband already has 3 garnishments out of his check a week at ed percent each of his disposable income. He told me the court part was over and if we couldn't pay it would be treated as an involuntary to pay and post litigation procedures would take place. When I asked what he meant by that he told me if I wanted to know what they could do now to contact an attorney. We have always paid our bills and hit hard times a couple of years ago with loss of jobs and went from a 757 credit score to who knows;a foreclosure, a repossession (paid off), and numerous cc debt now past due and garnishing for them. Can anyone help me and tell me how to proceed in the state of TN. Thanks!!

The Sheriff's dept in Minneapolis is trying to serve me court papers at my parent's house. I am thinking that it is credit card debt due to my divorce from my husband. I have been living in Canada for the last 7 years. Does anyone have any advice on what to do? Can I just ignore it since I have no assets in the USA and my life is now here in Canada and unemployed? Any advice would be much appreciated. Thanks!

I have a 2nd mortg that has been charged off.. How soon should I expect the collection agency to start calling me? Can I offer small payments since I am broke or will they be nasty and want the full 90K? I want to satisfy the loan but can't afford much. maybe $200 a month.. What should I do?

Today the collectors cleared out my father's account and my brother's because his account was in my father's name. My brother owns a small business and he had to send out orders. He does not even have enough to ship! That money was just enough to pay bills and the mortgage...
I'm so angry and frustrated... At least i know not to put so much in my account... but I don't know what we're going to do... My grandmother could also lose her house... I don't know where we'd all go....
I don't know what they're thinking.... How will we work with out a place to stay? Most of us work from home.... I'm just so worried..... I hate collectors so much..

how do I protect my pension from creditors.. Thats my only income and I own nothing.
Thanks

Iam summon to court in Chicago. Capitol One is sueing me for 900 dollars plus court cost. I dont have any money and I just got summon 2 weeks ago July6 my court is July23, and I cant afford to pay them now. I lost my job Iam collecting unemployment which is like 300 bi weekly and just finish paying my rent and groceries, I will like to pay it but damm! I only remember owing them 436.00 now is 900 what advice can I get?...can they put me in jail?

i got food poisoning in a restaurant and was in the hospital over Christmas,6 years ago. i notified the owner, told him, my bills were huge he refused to pay the ins. co. refused to pay so i let it go. now it is showing on my credit report like they did pay me, i checked with my ins. co. and they said they were not reimbursed. i need this took off but i think they owe me ! i have been turned down for home owners and paying high a$$ car ins.for 5 good years...what should i do? i know they pocketed the money this guy said he would take it off, he's in Georgia..want the name? PLEASE HELP..

My wife is being sued by asset acceptance llc for credit card debt. she is metally ill. but has a summons to go to court. they will not validate the debt. show no proof of any kind and are claiming that they represent the credit card company. then they send a letter that they bought the account. and want to settle out of court. i have written them numerous times to validate the debt. they come back with legal bull that it must be requested by electronic means. don,t they have to show something in court that shows someone owes the debt and to them, if not then to do they have to show the circuit judge something to validate the debt

I hope someone can shed some light on this. Like so many, who have lost their job, well worse, I sell Real Estate. I did sell. I am behind on my 1st Trust Deed and my Heloc loan has been sold to some very, very,nasty people who lie, attack, threat, you know...
They know that the value of my home would give them next to nothing in a foreclosure. They are sending me to a collection agency, they say. If they send me to a collection agency, are they releasing the home and going after me personally? Or are they keeping the lien and in addition going after me personally? They do not want to enter into any kind of settlement. Their actions are the scum of companies out there. If someone knows information about ...what happens with a HELOC when there is no equity to pay them off. And now they are coming at me personally, unwilling to negotiate a setlement . I would be grateful. Or a website to educate myself on how to solve this I would be so grateful.

I had a property foreclosed on in 2003. My Bank Checking Account and the 2nd mortgage HELOC Loan were at the same bank. The last payment was Dec. 2002. In the state of TN the SOL for Written / Promisory Notes is 6 years. I called the Bank and advised the SOL has run out according to Tennessee Law. They told me they had 10 years to collect and that I signed saying they had a right to offset charges. Can I ask them to prove that I owe them the money? and prove where I signed agreeing to offset charges? Is the burden of proof on them? If they have a judgement, I am not aware as I recv'd no paperwork, no written notices, no court hearing dates. Just wondering if I have any recourse.

I am Dr Audrie Raymond.I offer financial assistance of any kind.I give out Insurance loan, Car loan , mortgage and residential loans, personal loans and other forms of credit scheme. I offer this service with an interest rate of 3% depending on the amount in question. For detail and information contact me. via: audrieraymond@gmail.com

Another thing to bring us down. We just got a a court notice stating my husband has to go to court because he owes bank of america credit card, 2000 dollars. How nice it is for them to do that. They just got a bailout not too long ago and they're STILL hurting for money. I wish I could have the government pay for our debt. But, that won't happen. It's so unfortunant that this is happening because we're going through so much. We lost our place 2 years ago because we were both laid off. We were unable to find a job. Sadly, we had to move into my father-in-law's house in the living room with my 3 year old daughter and 1 year old son. I am currently unemployed and my husband is supporting both myself and my kids, with him getting paid less than what he was before. I am STILL looking for a job. He paid off bank of america ( the BANK, not the credit card) early this year and he is slowly helping me pay off my credit card. I just don't think it's fair for them to be taking him to court, when he is trying to pay everything off. Especially, since he paid off the bank. We don't know what to do. We are currently trying to rent a place. we have all our saved money in bank of america's savings for the deposit for our place. We're still awaiting on how much the deposit is going to be. Who knows how much the deposit is going to be, considering all the debt we're in. I totally understand that it is our stupidity for not paying our bills. But, we were young at the time and at that time, we had just welcomed our daughter to this world. No one was helping us at the time and we had use the credit cards. We were paying them, then we fell off the wagon. Can anyone suggest what we can do about this situation?

I got a car from nice cars for $14,000 and some odd dollars, i ended up losing my job and couldnt make the payments. I took the car back myself and 2 weeks later the car was back on the lot for sale again. About 3 months ago i was served with papers and am being sued for $9,771.30, i did some reseach and found the car was sold for over $14,000 the same as me , but i cant get papers to show it (because of the priv. act). I dont have the money for a lawer and i dont know what i should do in court!

I'm hearing impaired, am between 50-55, I am working full time, but my budget's tight and just when I got done paying off my doctor's bill last year, the electric company decided to raise their rates and took the extra money I need to pay the bill I owed when I was in the hospital in Feb 2008. I do have health insurance, but I couldn't pay the remaining $700.00+. Foolish me I should have gone to the hospital to work with them for payment plans; but didn't, and my bill ended up in the collections. Today (4/19) I just got served at home (paper was dated 5/25/09), and now I'm wondering if it's too late to go back to the original creditor to work it out? I am planning to use my work EAP counselor to determine the best course of action and obtain a lawyer, but I want to know first if this is possible to work this scenario out..? Thanks so much for any advice/suggestions!

after the vehicle is repossessed can the financial institute put a judgement against us for non-payment? Will we be forced to pay the balance? And if not how long will it be on mine and my husband credit report?

This is the deal I kept receiving letters from a collection agency by the name of arrow financial services, well they started calling and I never talk to them. So this man came by the house and said he was serving me papers from this collection people. well It kind of freaked me out, so I called the county clerk and they told me that they did not sent anyone to serve me papers, so I went down to the county clerk and showed her what they had served me, she said that I could write my response to the situation, so I did. This was a credit card that was charged off and I guess some collection bought it and now they are trying to sue me. well the county clerk sent me a summons to go to a hearing bout the situation, my thing is should I go or just ignore it, because I don't have money now and I wont have money then. Please respond asap

I am 21 years old and in college. A year and a half ago I was approved for a Credit Card and then another, then a month before my insurance kicked in to my new job, I got a Kidney Infection and had to go to the ER, then, last fall I was scammed off of a popular babysitting website. So, long story short, yes, I am a fool, thank you, and I owe a lot of money. I have 5 delinquent accounts that are either in collections or on their way to. My credit score obviously has taken a turn for the worst and I am right in the middle of college. I can not afford this debt. My question is, if they all go into collections, what could happen? My credit score is shot right now, how do I fix that and how long will it take? I have a 7 year plan and my fiance and we want to buy a house by they end of this 7 year plan, but I am nervous that the mistakes I made in my past will still haunt me, even if I try to rebuild my credit for the next 5 to 7 years. Are these mistakes a life sentence?

I work for a large firm that was contacted several months ago regarding a subscription to a publication. The person calling stated that they would send a complimenatry publication and if we wanted to subscribe we could or we could check cancel. This was back in June - the first/complimentary publicaton was to arrive in July (never did) and by august my Firm had been sent to collections (not even 30 days past the supposed date of delivery for the publication). There was no bill or place to check cancel ever sent. No phone call or late notice was sent to anyones attention prior to this being sent to collections. We received a call yesterday (november 7th, 2008) to inform us that we now owe $317 (the original $117 plus a $200 processing fee) and if we dont pay it will be passed to legal and the total will become over $600. I have done some researched and fount that there are numerous complaints against the publications company, but have been unable to locate on the internet any details on the collection agency. is it possible the publications group and the agency are workign together and it is one big scam? if so, can it be fought? plus my call with the publications company was recorded, is that legal?

I had a collection agency call my parents house today. First off they don't have my married name which I have been married for 4 years second they left a message telling my parents answering machine that I have a returned check that needs to be settled in their office. They called back my mom said that I don't live there but she will give me the message the 2nd time they just said I owed a debt then as they were calling back the 3rd time I was on her cell phone with her and the lady was saying I owed a debt and she needed to talk to me tonight. I called them back wondering who it was and what they wanted. They said that I owed for a credit card back in 2003 They said that I owed 1350 for a credit card with a limit of 300. They also said if it goes to court I have to pay back 5000. So I needed to make a payment for good faith today of 50. I said I could make a payment I am not working and won't graduate school for 2 months that I could make the 50 but december I can't make one but in January I can then. The first man said it was ok to skip december with no problem. I ok'd it with him he transferred me to a supervisor that was going to go over the deal. The supervisor was trying to just take my money when I said this is the deal me and the other man went over he said I can't skip december that I would still be sued they would seize my checking savings and wages also that I can have criminal charges for stealing property against me. I said so if I pay 50 now skip december I still be in same trouble he said yeah I said ok I can't do it I don't work two children xmas coming up student loans due I can't do it all then he said well can't do anything about it I said ok thanks and hung up upset that they lied to me the wole freaking time and my parents to can they do that?

i am getting sue by Capital One i am going to court on 10 31 08 for $750 doller i make a paymant of $100 a year age and i am on s.s and s.s.i that is the only moneys i have totel $700 and my rent is 600 what do i do please help me i know i am jugdement proof should i worry thanks

I received a loan from Bernadr Jonson for a loan of 10,000. The check did not clear. The bank it was written on states its fraudulent. I don't have any money to give the bank? Please help!
The lender stated his check is good and is working to resolve it but in the meanwhile my bank wants there money now!

I have a medical debt that was accumulated because my insurance had been canceled 4 days prior to my hospital visit. The total of the bill came to 10,000. I wasnt told my insurance wasnt approved until after i had left the hospital. I applied for medical assistance because i dont have the money to pay for the bill. I was refused medical assistance because of a balance held in an account by a relative that is being left to me in the future. They had given me the payment option to put down half of the debt and pay 400/month until it was gone. I couldnt afford this either so i began to pay what i could every month about 100/month. I just received a call from a collection agency stating that they have sent my debt to collections. They are telling me that i have to pay the debt within the next 6 months. They discounted the debt and the total is now 7,000. They want 1000/month and it to be paid off on the 6th month. I however cannot afford this either. What are my options? What will they do when the 6 months are up and i still cant pay?

well i'm a 21 yr old student. meaning that i make about 1000 a year if i'm lucky. i left fairleigh dickinson university thinking i had a student loan to cover their bill but i found out between them and sallie-mae they never accepted the loan and threw it out. aparently fairleigh never gave sally the ok to take the loan and sally had some incomplete info on the form but never notified me, but they gave me an aproval letter. fast forward to march, i owe 30,000 and they want it yesterday they say. they cal like crazy and harrass me and keep asking for money or for me to get money from my mom/dad/whomever. again i got nobody just me. now after i paid 500 a month till today (got a job to pay them but its temoray and ending), they want to sue me for the remaining balance. i'm in CA and i was in NJ before. also this bill isn't considered a education loan or a promisary notice or anything. its just outstanding debt i guess. thats all the facts. help?? please someone?

I went to a business school years ago. I went on a leave for 30 days. When I returned
1 week later we were taken into meetings and infrmed the school was being closed.
We were told we would recieve additional information in the mail due to the cost
of school and being able to go to another school.

I was told if a school closed before completion you do not have to pay the school loan.
I have a friend that knows someone who had their loan forgiven. I am trying to find
out where to get the details to end the collection on the school loan.

My ex wife took out a loan in 1999 and I co-signed. We paid on the loan for a year or two and then we seperated. She stopped paying the loan and I had creditors calling for me. It was put in the divorce that she pay the remainder of the loan. She promised them a payment and I think sent them one payment resulting in activity on the loan in 2002. She never made another attempt. 2 years later she filed for bankruptcy and remarried. Fast forward into now. I have a company (Credit One) calling me wanting to collect. They are saying with accrued interest in brings the balance to around $2000 but they will settle with me for a $1000. I told them all I was willing to give them to make this go away was $500 dollars as I feel this is not my debt. They told me that since she filed and it was joint it did not matter, I was responsible. So, I got into a little argument with the supervisor on the phone. He told me I could make payments, which I told him no. He then wanted me to go out and refinance my house and I told him hell no. He also told me to go and get a cash advance on one of my other credit cards to pay this off. I told him all I was doing was offering $500 to be done with it, and if he did not like that then I did not know what to tell him and he hung up on me. Do you have any ideas on how I can make this go away?? I am not paying the full balance of $1000 if it is not my debt in the first place. Thanks for your time!

My husband has a card sears talked him into to buy a lawn mower last year was suppose to be zero percent interest for a year after year u start paying interest. well this month we get a bill for 1200.00 for they say interest for whole year that was zero which is not what we were told by sears. sears says talk to citi citi says talk to sears neither company will show us copy of what my husband supposedly signed they both say they dont have it.. We have never been late til this month but we dont have that much laying round. and we get 100 calls a day,, and my husband was trying to tlak to them about tit n had 2 reps hang up on him. what can we do???

My sister received a call from a law firm who stated that she had a bad check from July 2006, and she needs to pay this law firm $190 to handle this matter or they will go to court. The orginal check was for $40 dollars. She said she never received anything from a Collection Agency regarding this matter. Do you have any legal rights in this matter?

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."

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I have great credit after working hard to get it back for the last 10 yrs after a divorce. I noticed a couple days ago that my credit score went down so I pulled my credit and much to my surprise a collection co has put something on. It said it placed for collection 12/07, I have never recieved anything but dont even live in that state anymore. I dont know what this is and if it is something that happened that didnt get paid I havent used this hospital for about 9 yrs so I k now this would go way back. My question is how can they report this to my credit now, Im sure this was bought by now . Where do I start? I am so angry about my credit..Thanks for any help.

Hi

I have a credit card with Washington Mutual i received back about 2003 for $2500. I eventually maxed it out and in 2005 after college I stopped paying because I was unemployed for a while. They kept adding finance charges, late fees and over limit fees and they closed the account. Eventually they put me on a program for 6 months direct withdrawal to get current and after that I continued paying the minimum because that was all i could afford and still getting all those fees, it seemed like the debt as never being reduced. Somewhere in 2007 I started paying lots on it so i could only get finance charges and they of course increased the interest rate a million times.

At the end of 2007 I was layed off and stopped paying, they said they sent me to collections, so the collections agency calls me 8 times a day, and i get mail from them attempting to collect, meanwhile I am getting letters from Washington Mutual saying I owe them and they are still adding finance charges. Also the address to send payments is the same as Washington Mutual payment address!

Can they really do this? keep increasing the amount while claiming they sent it to collections, call me 6 - 8 times a day and leave me messages. Over these years I am very sure I have paid them more than the amount I owe!!! times 10! How do I get them to send me to a regular collection agency with one final amount that I can pay off. I will gladly pay thm and get them out of my life !!!!!!!!!

If I've already paid a collection agency to settle a debt, but then come into possession evidence that I wasn't liable for the debt in the first place. Can I get my money back from the collections agency?

The situation was that the I had a collections item of $1844 on my credit report that the credit agency claimed was a result of failing to release liability in a car that my ex-gf had sold (we had our names on the title together). The new owner ended up getting the car towed and scrapped by a tow company and the debt was sold off to a credit agency and somehow got attached to my credit. I was in the process of buying a home and was told that I had to pay off this collections item during escrow. I talked to my ex-gf about this and she didn't give much help or evidence that can clear my credit. I tried to get proof of a release of liability from the DMV to refute this charge, but the DMV took forever and I ended up having to pay the collections amount because I had to close escrow on my home. I have just received from the DMV a certified copy of the release of liability that should clear this collection from my credit (I thought that my ex-gf didn't fill this out and that I/we were actually liable for this debt, but I was surprised to see it). Is there anyway that I can get my money back?

The payment is actually in the mail right now and hasn't been cashed yet. I'm trying to have the title company cancel the check (title company issued a check to the credit agency). But what if they refuse to help me. I'd like to know what else that I can do to get my $1844 back.

Any insight would be appreciated.

After falling behind in my credit card payments due to my disability, my family and I had been receiving more than ten phone calls a day by Capital One's collection department. My children are being harrassed by the credit card collectors, sometimes my thirteen year old son answers the phone and the collection agent is very intimidating. This has been going on for more than a month, I do not know who I must contact or if there is a government Agency that I can report this abusive practice, please help!

I had a credit card that was defaulted on in 2003 and then I entered into a debt management program in 2004. Due to unemployment i was unable to successfully complete the DMP...anyway, I am now being contacted by the scumbags Gerald E. Moore and Associates which I am assuming is about this debt because I have paid everything else off. They have only called by phone, and i never answer their calls as they are not licensed in the state of MN, but have not sent one thing in writing so i can ask them to validate the debt. The credit card was issued over the phone when i was in high school, i never "applied" for or signed anything, the credit card has gone through a number of different owners since i defaulted, and the debt has been bought and sold numerous times by no less than 6 debt collectors. The weird thing is that there is no record of this account anywhere on any of my three credit reports, or on a copy of a credit report that i looked over at a credit union last year for a car loan.....what happened to the account? Shouldn't the original credit card account still be there since the 7-year period for reporting hasn't expired? I wanted to look for verification of last payment and possible re-aging by this DC in case this goes to court.

I have been divorced from my ex wife for 5 years now. Its been awful everytime I turn around she is wanting more and more from me, in the name of our daughter. I have been very adimit about making child support payments and keeping track of every dime I give her, even when she askes me to pay for her and her husbands electric bill. Anyway the other day she got a letter from a collection agency in my name, she of course opened it (by the way I have never lived at her address she has moved in just recently) and she of course called me saying she opened it on accident then proceded to tell me the collection agency and told me I needed to take care of this. Well I did call the company only to find out that the account was defintly in my name but the address they had was ones that my ex lived at and I have never had an account with the company that they are saying it is with, (its a cell phone company, the same one my ex had until she could not pay the bill and switched company's) So my suspision is that she has used my name and ss# to get this account. What do I need to do to to prove that this is not my bill, that she has been using my info for her benefit? And are there any legal steps I can take to make her stop?

Desperate to be happy.

Could someone explain to me how Bank of America can sell a closed at zero balance account to another entity as a debt and then have it go to collections? The Bank of America must have some liability in these matters. Right?

I returned a leased vehicle 10 years ago and paid over $1200 in mileage overage. Six months later I get a letter from Ford Motor Credit saying I owed an additional $438. I sent them my lease termination papers showing the mileage at termination along with a letter from the dealer saying that the lease was paid in full. The person handling the account at Ford promised to close the account. 1 year later I received my first collection letter. In trying to reach the same gentleman at Ford MC, I found that he was no longer with the company. So I sent copies of the lease termination Zero Balance letter, and correspondence with FMC to to Collection Agency. They didn't call again. But the account was resold. I've now had to send "proof" of the paid account to more than 8 collection agenices, and a new one just phoned this evening. Ford Motor Credit claims they do not own the debt and the Collection agency just needs to issue a close code. They never do - they just resell the account. This latest agency didn't even send a letter so I don't have their reference account number. They refused to give me any information because I wouldn't give them my SSN over the phone. (Hey, if they are collecting they should already know it.) The only way I knew it was the same debt is that it's the only possibility -- as I always pay on time.

How can an accounting error turn into a 10 year nightmare with no end? Isn't there any way to stop this?

I have a credit card company that is threatning to send it to a lawyer if I don't pay the full amount of 7950. They have investigated my life and found out I am married etc.. We live in california and are saying we have communial property and that they will end up suing my husband to get the debt. All this debt was aquired prior to marriage and it is only my name on the debt, any assests he has were before marriage as well as the one after I signed my name off of the title. Can they still come after my husband and if so can they get the money from him or will they just forget or let me pay it my self. Please help. Wife that is devistated it will hurt our entire family for financial debt prior to marriage and family

When I was back in college, I got a line of credit for $50,000. I only spend about $4000 of the line of credit. This was back in 2001, and in November 2008, the credit report I have, shows that it will be final after that. I am worried that it will not go away though. Am I going to still have to pay? I got a call from a credior, that bought my credit, and he said that he was prepared to take legal action if I did not answer his call soon, and gave me a case number to refer to when returning his call. Should I contact a lawyer and have them straighten things out? Or should I just call myself? Or should I not bother to call at all because it will all be gone by November 2008 because of the statute of limitations in my state???? I do not want to go to court. I moved from my house, so I have no idea if they have been sending me anything in the mail, since I did not have anything forwarded. Can someone please write me and let me know?! I am VERY scared and I feel completely clueless. I am on the verge of tears right now, and I can't be like this, it's just too much. I just want someone to help me who knows what the hell they are talking about. I keep getting conflicting responses.

My husband's step son and ex wife used his social security number and forged his signature on a credit card with MBNA. Although I have written numerous letters to the credit reporting agencies and MBNA, I get no respone. I have requested copies of the credit application and transactions but I get nothing.

I received a summons for my credit card debt from 2003. If I don't respond to it what can they do.

I had an account with McLeod USA for 2 1/2 yrs. My contract was for 2 but then they put me on a month to month and my charges were still the same. Then I got an agreement in the mail "I agree to renew under my expired contract rates". Which, to me means nothing would change on my bill. I still called their Customer care, TWICE, and both times they stated nothing on my bill would change. My next bill I got went from $66.92 to $212. Of, course, I thought there was a typo, to I called Customer care and they said that the promotional discount was taken away and the best plan they had for me was approx. $100/local line (I had 2 lines). Ridiculous????, Not yet. So then I said that I can't afford to pay that everymonth for a simple service where nothing has been added on. They said they can't do anything. So I called AT&T and signed on with them and canceled with McLeod USA. Then they sent me a final demand letter with my invoice 2 mths later and threaten to send me to collections. So I dispute the claim, upon advice from a McLeod USA rep. I was willing to pay for what I used at the same rate I was paying prior to the confusion. No Luck. I am now in collections and they already reported to credit agencies. Can they do that while in dispute??? Can they contact me after sending me to collections??? Collections was supposed to send me a settlement which states they will take my name off the credit agencies and the matter will be settled for an amount we verbally agreed upon and the matter will be paid in full. Has been a week, haven't heard back from them. Any helpful advice from the universe???

My daughter owed some money on a credit card which was charged off by the Bank. She has not paid any money on this account for over two years. A collection agency bought the debt and sued her in the name of the bank. Is this legal?

I keep reading "GET YOUR CREDIT REPORT FROM THE REPORTING AGENCIES' Well I've been trying in the case of Equifax for a couple years now and they refuse to send it--refuse to acknowledge the documentation and letters I sent (certified, return receipt on one) and the other day when I went to the free annual credit report site--GUESS WHAT--now all three of the creeps refuse to give my reports. Oh yes I reported Equifax to the FTC. Of course they did nothing. Can I sue these b---- for driving me crazy.

I was contacted by this "junk" collector and they said that I owed thousands of dollars for a Pacific Bell account that I did not open. this account was opened in Nov. 2003 and is for CA and I live in MI. I found out that Pacifc Bell sold my info to a Midland Credit Management adn now MCM is trying to sue me for the amount. I am trying to prove it was identity theft but it hard to do. I am scared about what could happen to me if I losebecasue I did recieve a summons and I think soon I will have a trial. I have filed reports with the FTC adn the three major credit bureaus and have been collecting proof of my residence at the time this account was open. Does anyone know if I am able to go after Pacifc Bell for letting this happen in the first place??? I know it would be a long shot but.... anything is possible. Right??

In 1999 I defaulted on an auto loan because I could no longer afford the chapter 13 payments. This account bounced around with different agencies and now it landed in the hands of another, junk debt buyer. This collection agency reported to all 3 bureaus that it is an account opened in 2006 and that payments were made during a 3 month period, (basically trying to re-age the account), I have never spoken to or otherwise made any payment to anyone in regards to this debt, other than to send cease communication letters. They have reported it as if I opened a new account with them and it is 5 years since the default/charge off.
I have sent them a letter demanding that theyremove the fraudulent reporting to all three bureaus.
What can I do?

My ex-wife and I were divorced over a year ago, and as a result of the divorce, she was no longer eligible for my insurance benefits, we sparated all credit cards, etc. Now, a few weeks ago, I received a bill in the mail from a lab showing me as the responsible party for a $129 doctor visit listing the patient as my ex-wife. Of course, the insurance company rejected this claim. Yesterday, I got a fraud alert in the mail from a credit card company that an online application was submitted to try and obtain a $5000 credit card. The applications was sumbitted with all of my info, and listed HER as the co-card holder, and the application was submitted with her address. So, there were not any charges made to the card bc the credit card compnay caught it before then. I have already alerted all pf the proper credit companies.... And the last issue, which I think I am out of luck with..... she and I have a verbal agreement that she is to pay back $3000. After the divorce, a couple automatic deposits went into her account that shouldn't have. She knew these were suppose to stop the day of the divorce, but never said anything. Thank God I caught it when I did, but does our verbal agreement bind her to anything?.........what are my legal options regarding these issues?

I had a chargeoff on a credit card in 2003 and a company bought the chargeoff. The original amount was around $6000.00. This is on my credit report of course but now this other company has placed the same account on my credit report but they have it at $14,000.00 It has a different number and it now appears that i have two chargeoffs in the amount of around $21,000.00. How can this be legal?

I've got a couple questions about my credit report, but first let me give you some background information. When I first left high school and endured life at college I went a little credit happy and had five credit cards and a couple other open lines of credit. I then fell into the downward spiral of credit debt and wasn't able to pay any of them, let alone afford my living expenses. This was in the fall of 2001, and I'm just now starting to get on my feet, financially, and I'm trying to straighten everything out. What I'm wondering is, now that it's been almost 7 years plus the 180 days since my last payments, am I still liable for the debt? The accounts have been bought and sold to collection agencies many times over the years, so I'm wondering if the 7 year mark starts over each time this happens. I'm getting conflicting corespondence and I want to know the bottom line. Can I legitamatly have the accounts removed from the credit report without paying a dime, or am I going to have to pay the debt? In addition, I have current school loans on my credit report but there are some duplications. How do I go about desputing these in order to prevent future "bad" applications?

Just now a person calling left a message on my aunties house all the way from las vegas and i live here in HAWAII. She stated on the answering machine that she is looking for me and if i dont call back we will prosicute against you. Its a shame telling my auntie them ad they know whats going on. I also told her not to call my fathers job and she still did. She told me if i dont pay this debt by today properties can be taken, wat ever that means. I just read the law about collection agency and what they cannot do. I think something had been violated and im mad about it. i only have one day from the phone call to pay it wow by today. On my behalf im so poor and so are my family, she needs a check today or else they will prosecute against me for fraud because i sent a bounced check accidently i gave them my wrong check book. Now im screwd i feel so depressed and scared she really is scaring me its so dramatic. I wish i could just get a loan to pay off all the debt. I'm so young i cant even concitrate now. Im only 19 and i already got debt collectors calling for me. And what sucks is shes on New York time and im on Hawaii time so its 6 hours differents and she said shes gonna close soon so she needs an answer. PLEASE HELP

I'm trying to clean up my act and I'm doing great so far, but...
Last year a collections lawyer called and said I'd have to pay him for 2 deliquest credit cards (card 'A' and 'B') or he'd sue. I was scared and wanted it done with so I paid both off. Now, on a couple of my credit reports it has the original deliquencies and that they were sold to an agency and written off. Then, another deliquency shows up from the collection agency for card 'A' saying it was paid off, and card 'B' payoff is nowhere to be seen.
I feel as though by paying off the agency it did nothing but create another deliquency. Is there any way I can get the original credit cards to acknowledge on my report that they were in fact paid and not just sold off and forgotten? Do I contact the agency and ask what happened to card 'B's payoff, or will that just add yet another deliquency?
I'm trying to do the right thing but I feel like I'm just shooting myself in the foot!

I had a $500 credit card with Bank of America. I mainly used the account for books for school. I started to pay it off but I was in school full-time and I couldn't work. Of course interest charges and late fees began to build up my total balance was around $900. I ended up settling back in 2005 for 450 dollars. Experian Says I have a balance of Zero AND THAT IT WAS PAID OFF BUT Experian and Trans Union still say I owe money. What should I do?

I received a letter from a collection agency with an amount that they say I owed. I pulled my credit report from all three agencies and according to the reports, the account in question showed I've never owed any money with the balance of $0. Also, the account has been closed for almost 3 years. Why would a collection agency send me a letter saying I owe this money? What should I do about this problem?

Our son, (after his wife left him), basically went off the "deep end." He used our name and bought lots of "stuff" including a new BMW car. The car got repossessed because he left his job, etc., etc., and there was about a $17,000 balance left on the car in OUR name. He went into a depression that left him without work and on medication for the last year. He just now got a job again but his life is still a mess and he needs basic money to live on let alone paying us back for all the damages he has done. We are paying $2600 per month in credit card payments on what he charged while he went crazy. We cannot afford to pay anything on this car that we don't have anyway.

The company who financed it wrote the loan off as a loss and sold it to a collection agency. Of course, it is in our name and they call us for the money. If the loan has been charged off and the car repossessed, what kind of authority does the collection agency have over us? We have no money to pay any additional debt and neither does our son right now. We are hoping that after he gets on his feet he will be able to pay off the current credit cards let alone a car that has been repossessed.

Please help.

How long does a charge off account stay on file with the credit bureau account, once you have payed off the collection agency to whom your debt was sold too?

My husband's step son and ex wife used his social security number and forged his signature on a credit card with MBNA. Although I have written numerous letters to the credit reporting agencies and MBNA, I get no respone. I have requested copies of the credit application and transactions but I get nothing. This credit card keeps showing up on our credit record but we have never gotten a bill. They have also sold this account to several collection agencies. The interest charges are mounting and they are dinging our credit. What should we do?

Many, many years ago, when I was a lot younger and far less credit-savvy, I made the mistake of applying for one of those credit cards for people who have little credit or need to improve their credit. You know the ones I'm talking about - they have really minimal credit lines, and it costs a hefty "credit acceptance fee" to get it. That, and a "credit limit increase fee" when they approve you for a higher credit limit. You start out with something like a $250 limit, of which $200 is already used up in fees before you even get to use the card for the 1st time, and each time they increase your credit limit, the same thing happens - the majority of your increase is eaten up in fees, too. I took out both a MasterCard and a Visa account with the same bank (Cross Country), and ultimately screwed up the accounts to where they closed them. These accounts were closed back in 1998, over 7 years ago. I've had the charge-offs on my credit history to back that up.

I became concerned when, after the accounts were charged off, I still ended up getting letters from collection agency after collection agency trying to collect against the charged off accounts. I mean, it's charged off, right? Why pay a collection agency to clear a debt that technically no longer exists? And I'm STILL getting collection agencies trying to collect that same charged-off debt - well over the 7 year statute of limitations has expired. To make things worse, these collection accounts are showing up again, NOW, on my credit report once again as unpaid. For a debt that was charged off almost 10 years ago.

How can they do that??? And how many times can the same charged-off account be sold and resold? And how is it that they can put that old debt back on my credit report after the expiration of the statute of limitations??

The fact that your credit card company removed the charge doesn't mean you don't owe the debt. You still have a disputed charge with the original company. You still have the right to dispute the charge with the company and the collection agency using whatever documents you have showing the original charge was invalid. Undisupted collection items can be reported to the three credit reporting agencies.

I have a company with whom a credit card dispute was resolved in my favor and the permanent credit put on my account. The company with whom the charge was disputed is now trying to get the money through a collection agency, can they verify that i owe them money if the credit card company's dispute resolved the matter and reversed the company's charges? What information do they need to report this "debt" to a collection agency, and without my social security number can they actually do anything to my credit?