Paypal sent a collections notice…what?
Hi Guys, I received a letter from a collections agent saying I owe them about $600.
Categories: Rebuilding Credit Tags: account, agent-saying, all-contracts, credit, money, never-received, paypal, paypal-account, phone, phone-on-ebay, phone-out, send-the-phone, sent-the-phone
PLEASE HELP ME–Questions & my CR posted in here!
Hello! I'm new here and am hoping for your expertise and knowledge to point me in the ritght direction. I just did this post and it was long but it never posted, SO I will keep this short as possible. =) Not using excuses or anything like that. I am embarrassed to show my CR but I need HELP. In the past, obviously poor choices my with my money and credit, didn't really leearn to budget at all until I married my husband. My parents are in the same financial situation and never really taught me how to use my money. However, I am an adult so I take full responsibilty for my poor habits and bad credit. EQ score is 608, haven't gotten my TU score yet. I have obtained a EX &EQ CR. I have 2 unpaid collections. 1 shows $107 collection and the other shows $55 collection. I am paying these off this month. My UTIL is 9% revolving and 91% installments. I have paid off one of m capital one cards have paid the other capital one down and only has a $75 balance. My CR is listed below and I also have listed some questions. I appreciate your time in reading this and helping me out! 1) Since I have paid my only 2 credit cards this week, I am moving onto collections. These will be paid by the end of the month. I want to delete these off of my CR. Should I send a GW letter with my payment or wait until payment is received then send a GW letter? 2) Do I send a GW letter to the closed, open or both regarding baddies
Categories: Rebuilding Credit Tags: 107-collection, both-regarding, expertise, loans, money, month, more-questions, never-followed, paid-off-one, payment, payment-or-wait, students-loans, time
Anyway to get 60 points fast?
I am trying to get my score up over 600! In order to get approved for a mortgage to take advantage of a the tax credit and get away from renting and throwing my money down the drain. Anyways I have all but one credit card down to a 0 balance. I have filed bk 5 yrs ago, have made a couple of late payments but nothing more than 30 days. I have goodwilled the credit cards to try and remove the late payments with no luck. Anyways, anyone that could offer any advice please let me know! Thanks
Categories: Rebuilding Credit Tags: advice-please, credit, Credit Card, down-the-drain, drain, from-renting, get-approved, late-payments, money, score, take-advantage
LVNV and Pressler & Pressler
Hi Everyone, I need some advice as to what to do with this people. I had a chargeoff from Walmart in 2006 and they sold the account to LVNV. Never received anything from them but they just showed up on my credit report last year. DV'd them with no response. In November 2009 I received a letter from Receivable Performance stating they were collecting for LVNV and offered a settlement. I know it was stupid but since I do owe the money I sent a PFD for less than they were asking but got no response. Last week I received a letter from Pressler and Pressler Law firm that the account has been purchased by New Century Financial Services. What should I do? All suggestions are greatly appreciated.
Categories: Rebuilding Credit Tags: account, credit, credit-report, money, People, pressler, receivable, the-account, Walmart
wow holloway REFUSES to PFD for the ENTIRE balance (LVNV)
like i'm ready to pay the entire balance and collections costs to holloway credit solutions, lump sum if they will agree to delete, they won't.
Categories: Rebuilding Credit Tags: ceritfied, entire, entire-balance, holloway-credit, money, really-wanna, Savings, write-the-owner
medical collection
So...I have this medical collection for $97 I would like to pay. I called the hospital and tried everything to get them to take payment
Categories: Rebuilding Credit Tags: credit, credit-should, Hospital, international, medical, money, month-or-two, not-heard, passed-through, said-it-passed
Time to get back at it!
Alright guys, after a job loss and getting back onto my feet. I found this forum again and ready to get back to work.
Categories: Rebuilding Credit Tags: collections, credit, Credit Score, forum, house-as-cheap, message-edited, money, paid-the-sucker, paying-off-debt, Real Estate
Medical debt sent to collections a few days ago…
I went to emergcy room a few months ago and owe 6k or so. Bill was actually 6k and because I had no insurance they would have accepted 40% less, came out to like 3.6k. I never acted on this (just me being lazy) and a few days ago they sent debt to collection agency. I called the Hospitcal and told them I'd pay the full 3.6k today but I don't want to deal with a collection agency--- they said they couldn't take my money because debt was sold to the collection agency, ugh. So on one hand I HATE collection agencys, I'd almost rather it ruin my credit for 7 years than let them make a dime but, on the other hand, I mean it is a debt I owe. So anyways I decided I'd pay it if nothing will show up on my credit report. Its still within 30 days, if that matters. I called up collections place and told them I'd pay the 3.6k if nothing will show up on my credit report. The guy said if its paid within 30 days of them getting it it won't be reported, I have no idea if this is true but its what the guy said. I told him if they send me all that in writing I'll pay them. He said he'd mail me whatever and I should have it in a few days.
Categories: Rebuilding Credit Tags: collection, credit, hospitcal, money, rather-it-ruin, said-if-its, show-the-debt, the-collection, unpaid-or-paid, will-somehting
HELP! What to do with new collection for best outcome.
I received a dunning letter in the mail today from a CA. (ERSolutions). Another CA had the account back in 2007. I have heard nothing in all this time, but did sort of disappear from the radar. I think this popped up because of a PFD I did with another CA. Anyway, I do NOT want this showing up on my CR. It is with ERSolutions. So, what do I do? I do not have the money to PIF right now, probably could have by the 45 days they give me. They offered me a settlement of 50% and the account stays closed, 100% and the account reopens. I really need it reopened. Not for credit reporting purposes, but because I need the account, so I would prefer to eventually PIF. It is not a revolving account and normally would not report anyplace at all, but is reporting because of being with a CA. Do I wait until my 30 days to DV is almost up, or do I DV right away? Do I DV at all? Do I just hurry up and make payment arrangements? The debt is mine, I do know that.
Categories: Rebuilding Credit Tags: account, account-stays, dunning-letter, from-the-radar, main-concern, money, popped, radar, showing, time
Ever PFD for a lesser amount?
I'm wondering if it's possible to do a PFD for an amount less than what you actually owe? I think I recalled reading a post about someone who owed RJM who did one for less than what is owed. Has anyone ever tried? Can they try to come back & get the remaining balance? I currently owe RJM & get letters often for them to settle they account, I'm just wondering if I can take their offer & agree if they PFD. Money is tight & I want to continue working on my credit but right now can't afford to pay the complete balance off. Suggestions/advice?
Categories: Rebuilding Credit Tags: amount-less, complete, credit, currently-owe, get-letters, money, offer, remaining, right-now, suggestions, their-offer