needshelp

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About needshelp

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core_pfieldgroups_99

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    mean conceited network admin

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    Chicago's suburb's
  1. Meeeh. I can live with it for 6 months or so. Thanks
  2. I couldn't find a similar thread using search. Here is my deal. I checked my credit today and noticed a new late payment on my account. The account in question is for my gas bill (Peoples Gas of Chicago). Technically speaking the bill was late. The situation is I did not receive a bill. I just signed up for electronic billing with my bank. There was lapse in the billing and I never received either my e-bill or paper bill. Once i saw this on my crr, I immediately called the gas provider and paid up (including he transaction fee). The bill was a whopping 20 dollars but it is killing my
  3. I have a collection for a medical debt. This has been hanging over my head since early 2002. Obviously it has past SOL. I have offered to pay the debt in full (less than 100 and not worth my time) in exchange for a PFD. Anyway, its my understanding (and I guess I am probably wrong) that medical bills fall under some special circumstances and do not show up on cr’s for the full 7 years. If this is not the case, does anyone else have any other idea on how to get rid of this negative? It has passed DV (somehow) and I have offered full payment for a PFD (sent registered mail) with out as muc
  4. Yes. Thats exactly what I mean. Great. Guess where I live? GRRRRR. This is from a issue in DuPage over 15 years ago and, i found out about it from a lawyers letter. The odd thing is, it didn't even go to my address ( I am not that hard to find) . It was sent to my fathers house ( of course he opened it up). To top it all off, this is the first I have heard of the fine aspect of the old issue. I suspect it may be someone digging through old records and making a bogus collection attempt but, Ill know more when I see the letter myself after dad gives it to me. Thanks Methuss
  5. I have a quick question and I am not sure if this is where it should go but, here it is. Does the SOL apply to a legal fine handed out by a court system?
  6. Stop payments are the next course of action. Thanks everyone. It does appear that we have the CA on a violationhowever, I may have prevented that withthe phone call pointing out their violation. Its' pretty much out of my hands untill the DV and such.
  7. I just spoke with dear old brother. He says there is way too much involved with closing the account since he has multiple payments on auto withdraw and they are set to pay out in a few days. My mom is on me like its my fault and I have a headache. I have to call the CA today. I saw the legal passage you posted but what terminology can I use to stall them on this payment?? Will the threat of a FDCPA violation in addition to the lack of DV be enough. I’d hate to tip them off but time is ticking. The first payment will be withdrawn tomorrow. I can threaten DV , violations and, the like bu
  8. I fear closing the account will cause a lot of headache. The first thing that pops into my mind is he will have trouble getting another checking account. I saw his CR and I suspect that Chex Systems has a file on him as well. I realize that you can get around that but I also found out he has already done this with another CA and they withdraw from his account automatically. Then there is the issue of paychecks and auto deposit. . My job will not cut a paper check and requires auto deposit. I don't know about his and its almost too late to find out. If he has to close the account I suppo
  9. I am writing this on behalf of my younger brother. I just found out about his situation today. He got in over his head with some credit cards and is now in write off status with CAP 1. The charge off amount is near 1500 ….high credit is 712….DOLA is 9/2003. I pull his CR and I do not see a CA involved but he says he has been getting calls from a CA. Here is where it goes bad. They scared him into setting up payments that he cannot afford for the entire amount. In 2 days they will automatically withdraw hundreds that he cant afford from his checking account. next month a LARGE amount a
  10. I disputed 2 tradelines with TU using their online dispute on 6/14. Now I see 2 new tradelines in place of the old ones. This is the deal. I disputed a medical bill that was in collections and an account for Comcast that was in collections. Both of them have been removed but, I see new tradelines. One is simply called medical. The other is for Comcast. What gives? Does this make sense to anyone? For the records, this is all from PG. I have yet to receive my USPS mail from TU in regards to the investigation.
  11. WHEW. I got a place. I move in July 1st. Its nice, clean , close to work and in a cool neighborhood. thanks everyone
  12. WOW. Look what happens after a few days. Retmar. It looks like there are a few different stories going on here. My company didn’t go BK ( I couldn’t get so lucky) . Methuss was in situation holding the bill for a company that went BK.. Anyway thanks for all of the help. This is getting more and more interesting as I go. I am moving next week so I am going to wait for the DV. I assume the DV process wil clear up the contract issue but after reading this thread, it may not matter. Anyway, thanks to everyone. I’m dead tired and off to bed.
  13. I have a Providian Charge off in the amount of 2000 (most of that is over limit and late fees). The amount seems to be climbing but, maybe I am wrong. Anyway, The debt has NOT been sold yet and my CR does not show any CA. What can I expect from them in the way of a settlement. I am not certain of the official DOLA but off the record I know it is around a year. What kind of experiences did you have? THANKS. I have the resources to take care of this. PS The credit info enter had a automated advice section. It did not advise me to DV this but to dispute the amount or something else. What is the
  14. I have a Providian Charge off in the amount of 2000 (most of that is over limit and late fees). The amount seems to be climbing but, maybe I am wrong. Anyway, The debt has NOT been sold yet. What can I expect from them in the way of a settlement. I am not certain of the official DOLA but off the record I know it is around a year. What kind of experiences did you have? THANKS. I have the resources to take care of this. PS The credit info enter had a automated advice section. It did not advise me to DV this but to dispute the amount or something else. What is the thought behind that?