Credit repair

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What are the legal ramifications?

Submitted by Anonymous (not verified) on Wed, 12/12/2012 - 10:22
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I have a payday loan from 2 years ago and I have been getting calls that they are taking my cause to the prosecuting attorney for fraud of a check. What are the legal ramifications for it? I did not write the check for fraud. I took out a payday loan and made a few payments but was never paid off.

Do I send the three agencies a letter?

Submitted by Anonymous (not verified) on Tue, 12/11/2012 - 10:11
Forums

I sent several CA a certified debt validation letter 30 days ago and have heard nothing back. What are the steps I take now? My understanding is that if they don't respond, I can have the lines removed from my credit report, is this correct? Do I send the three agencies a letter saying I contacted the CA and no response so please remove?