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513lette

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  1. 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 make the decision to keep my CC's or my Car- I chose the Car, anyways. I recieved a pre-legal notice yesterday in the mail- typical contact us by X date and send in X amounbt of money and set up a payment plan, if not they "may" send me to an attorney blah blah blah. As much as i just want to set up a plan and get this over with, I have read so much crap about MCM and their crappy tactics, it makes me want to fight it. I pulled my CR and it says that the account is closed and was charged off (which i know means that I am still responsible for the debt, that the original creditor has said the debt to be a loss) on my CR it doesnt say the name of the creditor (MCM) , just has a phone number and address. Can some one explain to me, in easy terms on what I should do. There no way I could afford a hundred dollar payment a month for these jokers, Im struggling as it is paying my normal bills, and I know they dont care. I also have another card from fingerhut that I stopped paying on because I got a notice in the mail that the company handling their collections is being sued. is that grouds to get that taken off my report?
  2. 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 make the decision to keep my CC's or my Car- I chose the Car, anyways. I recieved a pre-legal notice yesterday in the mail- typical contact us by X date and send in X amounbt of money and set up a payment plan, if not they "may" send me to an attorney blah blah blah. As much as i just want to set up a plan and get this over with, I have read so much crap about MCM and their crappy tactics, it makes me want to fight it. I pulled my CR and it says that the account is closed and was charged off (which i know means that I am still responsible for the debt, that the original creditor has said the debt to be a loss) on my CR it doesnt say the name of the creditor (MCM) , just has a phone number and address. Can some one explain to me, in easy terms on what I should do. There no way I could afford a hundred dollar payment a month for these jokers, Im struggling as it is paying my normal bills, and I know they dont care. I also have another card from fingerhut that I stopped paying on because I got a notice in the mail that the company handling their collections is being sued. is that grouds to get that taken off my report?
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