clevermonkey

I am dealing with a medical debt that has been turned over to CACI. I am at a total loss. I am sent them a limited cease and desist. they just called again and When I reminded them off this she scoffed and said until I paid it in full they could call me as often as they wanted to. I am making payments but if they are going to call and harass me every day until it's paid off ( roughly 18 months from now) why bother?

True that. I forgot about the check part. You can't stop a check because you changed your mind about the deal. I had not thought of that. I would be willing to pay the $1500 to avoid any legal aspect. I never did any sort of interview for CAC. Looking over the paper work it seems that maybe they would not accept funding from CAC till my down payment cleared

Had the car 1 week, in IL. I drove about 200 miles

I will try to make this as short as possible. 3 weeks ago my car blew a head gasket. It was 10 years old and not cost effective to repair. I make decent money and thought I could secure financing for a used car. I applied at a local Hyundai dealership. I was told that I had been approved with no down payment. I asked her multiple times " are you sure I am approved and there is no down payment". She swore up and down that I was. I get there and surprise CAC is requiring a $1500 down payment. Normally I would have told them to go to hell and left but I had just spent $60 on a cab ride out there,had no more cash on me and being in a brand new city where I knew no one I was totally stuck there. They had me over a barrel. The car was $6500 but they inflated the price to $9500, tacked on an extended warranty and charged 23% interest. I see now that is par for the course for CAC loans. This was last week. I have been thinking about it a lot and a $500 a month car payment is really too much and I feel like it would really damage my financial future. I can take the train to work and the bus to wal-mart and save up to pay cash. I cancelled my down payment check and told them to come get the car. I feel this huge weight off my shoulders but what kind of consequence am I looking at now ? I have never dealt with car repossession. I have no idea what I am in for

I am in St Louis. It was at the Schnucks on Loughboro Ave

I just opened an account today using an in store branch. What are the chances of them closing it back down? I have one chex entry due to fall off in august

glad everything is ok now

can you tell me more about fidelity? I looked on their website and did not find anything about them havnig debit cards or checks. Do you know if they do ?

When I had factoring accounts being reported...it just notated it in the creditors comments or in the Type of Account heading. Thanks I think most are just reporting as open collections. I think I am going to blanket dispute and put "this account is not open please delete" and then find as many other things wrong as possible with each one

bump anyone know how I can tell if they are reporting as factoring ?

I just counted and it looks like only 2 or 3 are due off in november. is it too early for obsolete? the rest are a bit newer and have maybe 2-3 years left

ok good idea. I have my yellow legal pad ready and was planning on doing a jack attack I was just not sure how best to word it. I am trying to figure out how I would know if they were reporting as a factoring company I am in IL so the SOL is 5 years on CC I think Some are coming off this fall and some have maybe two years left

I am just now starting to tackle TU. There are probably 10 CA (most set to fall off soon) Every one pf them is reporting as open. As far as I can tell that is not allowed, right? Also, how can I tell if they are reporting as factoring company? When I dispute I was thinking my reasons should be " I have never had and account with this company" since they are reporting as open that indicates that I personally had an account with them, right ?

I live in central Illinois (Bloomington) and need a local bank. My employer stopped doing direct deposit and its taking almost two weeks for NFCU to process my mail in checks. US Bank turned me down and I feel stuck. I have on entry on chex that is 4 years old and I think $90. I have a mid 500 credit score but my report is relatively clean. Any ideas?

Mmm... fudge.... The more I read CB, the more I'm getting curious about stuff like this... Some quick research shows that collection agencies function through questionable tactics, threatening wage garnishment, harassing phone calls, tax refund seizures, etc... but they usually have very little to stand on legally. Every so often, I notice that a debt is assigned to a lawyer, attorney, law firm or law office... and I think that scares people. You can dispute collection attempts - but no one wants to argue with an actual lawyer. No one wants it to go to court (even if you're sure to win). Court is expensive, inconvenient, and a pain in the flowers. Still these lawyers have to be bound by the FDCPA too, right? But who wants to DV a lawyer and get back a response of "I'm just suing you instead"? (I think if that happened, and you CMRRR'd everything, you'd basically automatically win... but still... court... pain...) Is there some sort of guide to the "tricks" debt collectors use... like calling themselves "law offices" and such? I absolutely think it's a scare tactic. Budhibbs.com has a lot of info about JDB and the tricks they use. I would think there would be a thread somewhere on here about it. Maybe I will start one later. I have personally never talked to one on the phone. Always in letters. I remember one DV I sent though the JDB sent back a letter saying my attempts to avoid paying this debt would no longer be tolerated. Nice validation!