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Hello everyone, I have found this forum via google when searching for help with settling debt and I hope that someone will be able to help me. First, a little background on how I got in debt. When I was 18 years old (2006 ish) I got my first credit card from Paypal with a $1500 credit limit. At the time I thought no biggie I can just buy stuff and pay the minimum since I was working, but being the young adolescent that I was I never paid anything and the credit line ended up being charged off by Paypal at around $1800 due to interest. I also had another credit card with chase that was charged off at $800, but I ended up settling that myself when chase sent me an offer to settle and I did, i believe it was about $500. Now here I am today and I want to settle my debt to build up my credit, but I don't know how to go about it. Over the years I have received multiple letters from multiple collection agencies trying to collect the debt some saying I owed as much as $3k which I know is BS. Yesterday I received a letter from the same debt which caught my attention. The letter I received is from a law firm in Michigan and is hand signed. It essentially says the same things as the other letters from other collection agencies, but this one is from Stenger & Stenger in Grand Rapids, Michigan. The letter reads exactly the same as the others from other collection agencies except that it is from a law firm and is hand signed by Denise M. Hallett. In addition, it also shows the original amount of $1800 and not some inflated mount. Lastly, the letter from them is dated May 27, 2014 but I received it on June 7, 2014 almost two weeks later. I doubt it take almost two week to travel from Michigan to Indiana Here is what I know about the debt. The original creditor is General Electric Capital Corporation (Paypal). The current creditor is LVNV Funding, LLC. I am located in Indiana now and I was also when I signed to received the CC from Paypal. I believe that statue of limitations for Indiana on a written contract is 10 years. A few years ago around 2010 or 2011 I paid $500 over the phone on this debt to one of the creditors, but I don't remember who it was. I do remember writing down the name of the supervisor of the guy that I was talking to as well as his ID number, but I don't think I have that info anymore. I have received letters from at least 5 collection agencies including this law firm over the years for the same debt. Can someone please point me in the right direction In how to go about settling this? A few months ago I obtained a copy of my credit report from Equifax and Experian. LVNV is posted on both as well as Chase, but Chase shows "paid in settlement" and LVNV shows "collection account". I paid for my credit score on Equifax and it is 644 (below average)

Hello! I am so happy to have found this forum. I was being sued by Capital Alliance Financial which is ran by Stenger & Stenger, P.C. The original debt was with Wachovia Bank. I was served on May 8th and have until Friday to file my response. I was so scared and nervous, I even called Stenger & Stenger to try and work out a settlement with them. It's alleged that I owe $7,600. I tried to settle with $1,500 since this is all I had, but they declined and said they would send me out some paperwork. I never received "said" paperwork. The other items that came with my Statement of Claim: Exhibit A: Account Statement from Alliance Financial with account # and amount owed. Exhibit B: Document stating Manager of Capital Alliance Financial is competent to testify in this matter. Exhibit C: Wells Fargo charged-off CC statement with account number. Exhibit D: Bill of Sale from Wells Fargo to Security Credit Services (notarized), Bill of Sale from Security Credit Services, LLC. to Capital Alliance Financial. (This ones looks very generic and fake, not notarized) A spreadsheet with names and banks, but is is so small, can't make out anything and alot of it is blacked out. With all of this information, how should I proceed with these guys? After filing my response, should I file a Motion to Strike the Exhibits? Do I have a case worth fighting? Thank you for whatever advice, help you can provide on this.