If I want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I don’t know so and so collection agency" and have the agency remove it?
I was just wondering is it ok to fax letters to CA's instead of sending certified mail? I ask because it is so much more convenient to do so.
I had a job with a wage garnishment. Quit that job 5 months ago. Now they have asked me to come back. Will my wage garnishment still come out? I have had another job in between and nothing came out.
My mother added me to her account as an authorized user a few years ago to help me build credit. I have not used the credit card till date. I have a few credit cards of my own now. My mother has racked up credit card debt. She does not make proper payments on the card. This is affecting my credit score negatively. Moreover, my creditors’ are calling me regarding the debt. What can I do in this situation?
I have paid more than the borrowed amount to the illegal payday loan lenders. I have sent letters to all the lenders. They have not given any reply yet. Illegal payday loan lenders are not giving any refund. What should I do in this situation?
There was a charged-off account on my credit report. I have paid off the charged-off account in 2012. I checked my credit report recently. The charged-off account is still there on my credit report. In fact, the amount has increased. Should I sue the collection agency?
My payday loan has been sold to a collection agency. They have made a settlement offer to me. Should I accept the offer or pay the full amount? I’m hearing that the account status will updated as "paid" on my credit report irrespective of the mode of payment. I live in Maine. The name of the payday loan company is Paydayone.com.