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  1. I defaulted on a student loan held by Texas Guaranty. Their website offers a rehabilitation program to improve my credit. However, I see from my credit report that the loan was sold to the Regional Adjustment Bureau about nine months ago. Will paying down the loan now that it is with RAB improve my credit score, or do I simply need to wait 7 years for this to fall off my report?
  2. Hello all that will help, Profile Recovery Associates currently owns a debt that belongs to me. The last active date of this debt is 8/12/2009. Debt total is $1,296.51 Alabama SOL is 3 years for a CC debt. They claim they purchased the debt in 2011 but it didn't appear a$$ collections on my report until 3 days ago. I don't want to make payments because then it becomes active and hurts my credit even more. i want to get it deleted but my research says this company doesn't doe PFD. Should i just give it 3 more years and it just falls of? What are my options?
  3. Been reading some more and I am starting to pick up on the fact that some of these collection companies are push overs and some won't budge? If you could give me some advice on these guys I would appreciate it. Of course I am going to dispute with the bureau's first but if that fails some good tips would be helpful. 1. CAP ONE $400 from 2011 2. Midland $900 from 2011 3. CCR Services? got a $100 traffic ticket(camera caught me running light) lol 4. Amerifinancial Solutions $700 from 2011 - medical ER visit - had insurance dont know why I was billed 5. Stern & Associates has like 3 differe
  4. Good morning everyone, I am new here and let me start by saying thank you for this site, I have used the template here to contact a collections company I saw on my credit report, they put in the date on 9/2007 this is when I turned 18 but its for a medical bill for 5/2007 I was a minor and my mother was tooke me to the hospital, I was given care and send home, I moved away when I turned 18 and I never even heard from them, but I was taken to collections and a judment was taken out on me! I was under 18!! I was never even told about this my mother is the one who got the bill she was filing f
  5. Following a dismissal, (with or without prejudice) of your case before trial, or following a trial ending in a judgement in your favor, what did you need to do to get the JDB's collection effort removed from your credit report? And how long did removal take following the dismissal or the judgement in your favor?
  6. I've made some mistakes in the past, who hasn't?! I recently contacted the bank I owe a balance with a credit card and loan. The debt was charge off July 2009. My plan was to workout some type of deal with the original creditor, but the creditor referred me to CU Recovery the collection agency they deal with. Per the rep I spoke to the bank wants over $6000 when I only owe 3200 because of added interest plus the rep claims I was sued over the debt so I have to pay for that as well. I requested a settlement to 3500 along with a pay to delete. She said the creditor isn't going to honor and not
  7. I received a FINAL NOTICE from University of Utah Health Care Collections. Letter dated 1/29/2014. Received 2/11/2014. It gave 10 days to pay balance before assigning to outside collections. I called today to resolve (account is in dispute - I certainly owe some of the money, but am disputing some of the charges). They told me it had been assigned to outside collections on 1/30/2014, 1 day into the 10-day notice period. Is this legal? What should I do?
  8. I sent a DV to a CA reporting a medical bill. This is an ER bill back in 2010 that was supposed to be charged off by the hospital to their charity care. I was unemployed and uninsured at that time. I disputed with CRA and came back verified. Today, I received letters in the mail from the CA. Letter #1: - Addressed to me and my ex-husband to my address since 2008. - Ex-husband has never lived at this address. The divorce was finalized in 2009. - The Amount due is $400 more than the amount due on the CR. - Basically just says they received the dispute from a CRA and advised that the i
  9. Hello, I have been reading this forum and finally got the inspiration to face this mess which i was hiding from all these days. Embarassed by peoples advice and loooked down on other forums i gave up hope but this website mite be my last stand so any help will be greatly appreciated. So, i have a awful credit history. I just pulled up my CR from transunion n my score is 520. I am trying to understand my report. It says i have 13 accounts 7 open 6 closed 12 derogoratory with a total debt close to 21k. 0 delinquent 0 payments 0 public records and 0 inquiries in 2 years - i have been laying
  10. I was admitted to the emergency room at the beginning of April 2012 by my grandparents down in Nevada (I lived in Washington before and after this incident so that's where my insurance is through- First Choice Health) for suicidal ideation and an anxiety attack. After being held there for a couple days I was moved to a psychiatric hospital for an involuntary psychiatric stay. We had met our deductable for the year because of these stays and after that my mother and I arranged payments with them while waiting for insurance to chime in but it seemed to be taking longer than normal. I soon deci
  11. Medical company filed in court on 7/13/2011 (didn't even know about this, just saw it today) a disposition was filed on 2/7/2012 - dismissed by parties - 1>doesn't this mean the case was dismissed? The charges from the medical company show up on my credit report under an attorney's name - I sent the attorney letter of validation and they sent me a medical billing statement. (this was done prior to my knowledge about the above referenced court filing- sent letter 4 months ago) 2>Being that the company's claim was dismissed shouldn't this information be deleted from my credit report
  12. First off thanks for reading my post. Like many of us have experienced 2008 was a HORRIBLE year. Lost my decent paying job down to nothing for a while then making half of what I was before. Did what many people did and that was max out my credit cards, tried to keep up with the minimums for a little while then couldnt afford that. Went into collections and then I stuck my head in the sand, I pulled my head out once with debt consolidation for a few months in 2009 and couldn't afford that either. I have had my head in the sand ever since because none of the collection agencies were willing to a
  13. OK. So I have a tradeline that will drop off in April 2014. When I pulled my CR a few weeks ago, I could not figure out who the OC was. The CA is reporting CHASE as the OC but the account number was not the same as what Chase was reporting. So, I did a little digging today and pulled my CR thru Annual Credit Report from 2011. And sure enough, there is that acct # reported by the same CA but had 2 different OCs and balances. TRADELINE #1: ACCT #: 1234 OC: AT&T BALANCE: $1300 TRADELINE #2: ACCT #: 1234 OC: CHASE BALANCE: $900 STATEMENT: FCBA DISPUTE RESOLVED. - CONSUMER DISAGREES
  14. Has anyone dealt with AD Astra before?
  15. I sent a DV to a CA for a payday loan that was defaulted on in 2008. I am in California.The CA sent back a DV with a copy of a contract from OC with my signature on it. My heart fell when i saw it. My questions are: 1. This loan was defaulted in 2008. SOL for writen contract in California is 4 years. So the SOL expired in 2012. Correct? 2. Their letter said they "would be happy to discuss a deferred payment arrangement that would fit into" my budget. (Of course they would) Do I really want to setlle/pay this when it's past SOL? It will be coming off my credit report in 2015. 3. Either way, W
  16. Chase allegedly changed the amounts due on delinquent accountsI know this has been out for a while, but it's here if you did not know about it.
  17. First thanks for reading this! Back Story: I recently, the last couple of years have been attempting to clean up my credit report, paid of most as I don't have all that many trade lines on my account. I more recently came across a article post which you can view here, that basically states that because every state has different SOL's which a collection agency can go after debt for, if that time has expired the CRA's are supposed to remove these items off of your report. Question: Is this information true? How would I go about removing the collections off my report?
  18. I became delinquent with payments on one of my credit cards (owed about $7000 on it) and it went into collections with CACH, LLC after 4 or 5 months of missed payments. Because I was delinquent on this particular card, the amount owed ballooned up to over $10k. Cach, LLC is being represented by the law offices of Harold E Scherr, and gave me a settlement offer today over the phone at roughly 45% of what is owed. They also emailed me a copy of this settlement offer. Of course the woman on the phone (who was polite) wanted to rush me into accepting and paying this amount asap, otherwise the offe
  19. Hello there. To start off with I am in Seattle, WA and this was filed in King County Superior Court. So in the midst of reading through everything on this forum, I like many people are stumped on how to handle the motion I just received and on what I can actually do at this point. History - I received a summons from Suttell & Hammer on behalf of Midland, LLC back in Nov 2012. I admittedly did not respond to the summons because it did not appear real or to be not actually filed, no date stamp, nothing. There was no document filed with the courts until Feb 2013. To which I received noth
  20. A little help please! I recieved a call from MEDICREDIT stating I owed $1600 for some old medicial bills from 2004 and early 2005. I requested that they send the bill via USPS. A few days later I recieved a bill in the mail. As MEDICREDIT has attempted to collect on some old bills before, and I have found we payed them at the time of service. On 5/26 the day after I recieved the bill I wrote a letter requesting verification and to cease and desist any contact by phone. On June 6 I recieved a reply from MEDICREDIT with several pages of billing from the OC ST FRancis hospital that list various
  21. I'm not sure what to do or how to reply to these court papers. I was recently served by a collection agency for Main Street Acquisition saying I owed money. I replied to the court and said that i was not aware of this account and requested that the collection agency/lawyer to show proof to me. Now I received more court paperwork known as CASE MANAGEMENT STATEMENT. I am not sure what the next step is to do. 1. It says that the CASE MANAGEMENT CONFERENCE is scheduled on 6/6/13 and the collcection agency's lawyer will be appearing by telephone..... what about me? Do I need to go to the court th
  22. In 2007, I went to law school for a year. After 1 year, I decided to withdraw. During the summer of 2008, I got a job, sent a note to the school through some kind of online messaging system and never went back. In September of 2008, I received a tuition bill and called the school upon receiving it. I was told that they never got my message and that I should now send an email so they could have my intent to withdraw on file. So, I sent the the email and was told over the phone that I owed 60% of the tuition since it was now the third week of class. I never paid the bill since I didn't have $6,
  23. Hello, I have approx 3k in original medical debt from June of 2009. My question is - has the SOL exceeded on this debt? Quick back story: in 2009 I was unemployed, on Cobra. I had a major heart diagnostic scheduled for a Friday, fell ill with flu on a Thursday and the doctor said we should wait until the following week. He was not able to reschedule the test until the next Thursday. Learned shortly after that that my Cobra had ended Sunday night at midnight. It was not due to cancel out until the end of the month. I was seen on the 11th. Tried to work it out - no go with the medi
  25. Hello All, I am new to this forum and could use some help. After a stretch of unemployment and wife's medical issues, i have fallen behind on my CC payments. This all started 2 years ago and i have yet to pay one bill since. I would like to start the process of at least negotiating. I have received collection letters of up to 70% off some balances. Here are my questions: Is it possible to deal with only one agency during the process or do i have to work with all of them? Should i call the credit card company directly and ask if they can offer the same or did they already charge-off?