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	<title>Comments on: I&#8217;m Not Sure What to Say In My Letter to a Collection Agency</title>
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		<title>By: Hostage</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/comment-page-1/#comment-3807</link>
		<dc:creator>Hostage</dc:creator>
		<pubDate>Sat, 23 Jan 2010 16:25:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311#comment-3807</guid>
		<description>Portfolio Recovery Associates (bottomfeeders) are saying I owe a debt that is 17 years old, this is not my debt, I don&#039;t owe. They say I have to get an attorney (cannot afford) to prove I don&#039;t owe. I have made complaints in my state and VA and FTC. Now what do I do with the dispute packet as I cannot pay for an attorney and debt is not mine. PRA said I will get a 1099c!</description>
		<content:encoded><![CDATA[<p>Portfolio Recovery Associates (bottomfeeders) are saying I owe a debt that is 17 years old, this is not my debt, I don&#8217;t owe. They say I have to get an attorney (cannot afford) to prove I don&#8217;t owe. I have made complaints in my state and VA and FTC. Now what do I do with the dispute packet as I cannot pay for an attorney and debt is not mine. PRA said I will get a 1099c!</p>
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		<title>By: Kevin</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/comment-page-1/#comment-3394</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Mon, 30 Nov 2009 21:12:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311#comment-3394</guid>
		<description>I have always found it helpful to ask the clerk of court. They cannot give legal advice, but they can tell you the correct form to use and send it to you. They also have to check it before they file it. Regardless of which form you use, an attempt to file the form is a timely response in most states. In my state, Maryland, the clerks office is very helpful to pro se people.</description>
		<content:encoded><![CDATA[<p>I have always found it helpful to ask the clerk of court. They cannot give legal advice, but they can tell you the correct form to use and send it to you. They also have to check it before they file it. Regardless of which form you use, an attempt to file the form is a timely response in most states. In my state, Maryland, the clerks office is very helpful to pro se people.</p>
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	<item>
		<title>By: DidIDoIt</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/comment-page-1/#comment-3292</link>
		<dc:creator>DidIDoIt</dc:creator>
		<pubDate>Sat, 21 Nov 2009 23:05:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311#comment-3292</guid>
		<description>I&#039;ve had excellent help from this site this week on how to respond to a summons.  I think the only hurdle I have for the moment is figuring out the proper form to use for Oregon State Circuit Court.  It specifically says to use the correct form.  I can&#039;t make sense of the Oregon State Circuit Court forms website by the names they give them.  What is the correct form to respond with for Oregon Circuit Court?  Where can I locate it?</description>
		<content:encoded><![CDATA[<p>I&#8217;ve had excellent help from this site this week on how to respond to a summons.  I think the only hurdle I have for the moment is figuring out the proper form to use for Oregon State Circuit Court.  It specifically says to use the correct form.  I can&#8217;t make sense of the Oregon State Circuit Court forms website by the names they give them.  What is the correct form to respond with for Oregon Circuit Court?  Where can I locate it?</p>
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	<item>
		<title>By: Kerl</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/comment-page-1/#comment-3256</link>
		<dc:creator>Kerl</dc:creator>
		<pubDate>Thu, 19 Nov 2009 07:16:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311#comment-3256</guid>
		<description>Thanks dear.
Your article is kool</description>
		<content:encoded><![CDATA[<p>Thanks dear.<br />
Your article is kool</p>
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