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    1. O

      bogus debt on my old nickname

      What is the name of your state? Ky I received a bill from a collection agency on a Sprint account that I never had. The bill listed me as "Bobby" whereas my name is "Robert" I have not used "Bobby" since I was a minor, some 40 years ago. Need I even respond to this? Would I even need to accept...
    2. O

      weird DV response

      What is the name of your state?ky On Aug 5, 2005 I received a collections letter from Capital Management Services for a National City Bank credit card. On Aug. 23rd I sent them a DV letter CRRR On Oct 21st they sent me a packet with a cover letter saying they were sending me the information I...
    3. O

      identity theft?

      What is the name of your state?Ky I received a statement from ER Solutions, inc. for $4,037.30 that has Creditor: Dell Finacial Services (2mpp/ff) I have never had an account with Dell or ever purchased a Dell product. I assume this is an error or identity theft. Should I just send them a...
    4. O

      summons served - exemptions claim in reply?

      What is the name of your state? Kentucky I was served a summons yesterday, for a debt to a cc company. I don't dispute the debt, but my only source of income is from social security disability income (direct deposited). I have no problem with them putting a lien on my house, as I feel they do...
    5. O

      post judgement exemptions - what are they exactly?

      What is the name of your state? Ky. I realize that Kentucky's Post Judgement Exemptions are the same as the Bankruptcy Exemptions, but what exactly are they used for? My automobile is valued at $1800, which is less than the exemption of $2500. Does this mean creditors can't put a lien on it or...
    6. O

      Bank set-off question

      What is the name of your state? Kentucky I have a bank credit card that I may soon not be able to keep making payments on. I don't have an account with them except that in 1995 my Mother added my name to her checking account that IS with this bank. She did this in case anything happened to her...

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