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Foreclosure Forum

Help! My Credit Is A Mess! Three Of My Credit Cards Have Gone To Collection Agencies?

I just gradtuated college and only make 770.00 every two weeks (26,000 a year) entry level plus I pay for rent utlites and grocries I’m trying to find a better paying job how do I get out of this debt? I don’t have Help! My Credit Is A Mess! Three Of My Credit Cards Have Gone To Collection Agencies?

Foreclosure Forum

Can I Negotiate A Debt Settlement For A University’s Collection Agency?

I currently owe $2600 to my University through their debt collection agency. I asked the agency if we could negotiate a settlement, and I was told that the University for which I attended doesn’t allow debt settlements, and I would need to pay the full amount (I’m currently paying $50 per month with no interest,

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Foreclosure Forum

Can We Force The 2nd Lien, Which Is Now The Collection Company, To Take 10% And Agree To Short Sale?

The 1st lien agrees to pay 10% (of the 2nd lien loan amount) to the 2nd but the 2n lien holder wants 20% or else they will not allow the short sale and let the house foreclose. Isn’t there any law or regulation about how much the 2nd can ask for? The industry standdard for

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Foreclosure Forum

A Question About Debt Settlement Amount With Collection Agency?

I have a debt from a cell phone company, because of their mistake -which I cannot prove unfortunately- they canceled my 2 year contract and they charged me $800, I was overseas for 3 months at that time, they didn’t even e-mail me about the problem, when I came back they said they transferred the

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Foreclosure Forum

What Is Your Experience Negotiating Debt Settlement Yourself With Collection Agencies?

Did you use a form letter like the one below?http://www.creditinfocenter.com/forms/sa…
(Sample letter 6 to use when settling debts yourself with a collection agency)

Foreclosure Forum

Summoned To Court Over Debt & Collection Agency Settlement?

I recently received a summon to court over old debt with Providian (they demand $3000).
Couple of days later I got a settlement letter from collection agency that suing me. But they do not mention lawsuit there. It just says they will close out the account if I pay settlement amount. (which is $1000 lower then

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Foreclosure Forum

Does Anyone Have Specific Language From A Contract With A Collection Agency. Debt Settlement Contract?

I have agreed to pay $200.00 on a balance of $382.94 as a settlement amount wiping the debt to a zero balance. I want a contract to state this using specific language protecting me from bad reports on my credit. For example “settlement” or “Paid as agreed” etc. I do not want to give the

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