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    1. J

      Pay for delete?

      What is the name of your state? Florida If I get a CA to agree to a pay for delete does that mean that all entries including the charge off from the original creditor will be removed from my credit report?
    2. J

      Question for Lady! Pay CA's & repair credit

      What is the name of your state?Florida I am in a position to pay off some credit card debt that has gone to CA's but I want to repair my credit in the process. Is it possible? Any suggestions? joeyb_05
    3. J

      Paying CA's & repairing credit?

      What is the name of your state? FLorida I have 2 outstanding debts with credit cards I am now able to pay. MBNA and Chase, $2,000 and $4,000 respectivly. Both accounts have been charged-off and sold to CA's. Hilco Rec, INC (MBNA) and the Cambece idiots (Chase). I have been making monthly...
    4. J

      Recording phone conversations?

      What is the name of your state? Florida Does anyone no if it is legal to record phone conversations with debt collectors in the state of Florida?
    5. J

      Bank Lost Deposit

      What is the name of your state? Georgia I made a deposit at the night drop for work. My company called me a week later to tell me the deposit hasnt posted. I figured they were late posting the deposit becuase it has happened a few times in the past month. After finding no record of the bank...
    6. J

      Did a CA violate the law?

      What is the name of your state? FL I authorized a CA, JA Cambece, to withdraw $100 a month from my checking account. Not a smart move on my part, I know, But I gave in to thier intimidation. After a few months I wrote a letter to the CA revoking authorization to withdraw from my account. I...
    7. J

      Should I file Ch7 or Ch 13

      What is the name of your state? FL Here is my situation: My monthly take home pay is $2,098. I've estimated my monthly expenses to be at least 1,957. I owe nearly $14,000 in credit card debt. I'm also paid bi-weekly which means that 2 months out of the year I actually take home $3,147. I...
    8. J

      Is it against the law to threaten bankruptcy?

      What is the name of your state? Florida Thanks so much LadynRed. Your information on this forum has been extremely helpful. I appreciate the information you provided concerning the arbitration MBNA is trying to coerce me into. I have one more question. Is it legal for me to state either on...
    9. J

      Arbitration? Please HELP

      What is the name of your state? Florida I'll make this as short as I can. I haven't paid MBNA bank since October of 2003. I owe $9,400. The debt was sold to a collection agency (columbia Credit Services). Out of fear of a lawsuit I offered them $1,000 up front and monthly payments of $200. They...

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