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  1. I signed a payment agreement and admission, which they then filed in court. I paid as I agreed with them. They then "dismissed as per stipulated agreement". The case was then filed as "dismissed without predjudice". This leaves a remaining amount to be paid, the new collector says they are collecting on behalf of LVNV. This was the same thing as in the beginning, except now it's not an attorney, just a collection agent.
  2. LVNV funding filed against me in court for a passed due Credit One account. I contacted them, and the person I spoke to told me how I could pay the bill: 150 due in 2 days, then 230 a month until November 12, at which point I am supposed to pay the remaining balance. The balance was to be paid through their payment agent. I paid the 150. I paid the 230. Then I received a letter threatening to continue the court case because I had FAILED to make payment. Contacted their payment rep, who told me that I was only supposed to pay 150. Apparently they had sent a legal stipulation for me to sig
  3. Yes, I caught onto that. I had considered ignoring them on signing their agreement. I didn't think I could pay the amount off before it would actually hit court. Was there something else I SHOULD have done? Or were you taking exception to the possibility I was thinking I got away with something, when in fact I didn't? Thanks.
  4. I opened another checking account with my credit union. That keeps things separate unless I default on the payment agreement. I worked out with their rep to pay 150 almost immediately, then 225 until it was paid off. A week or so later, they sent me a letter, backdated 10 days, saying I had not fulfilled the agreed upon payment. By that time I had made the 150 payment, and the 225 payment. They also indicated to me that they had sent the court legal documents for me to sign, basically making it so they don't have to go to court and legally win the suit, and that I had FAILED
  5. Thanks tmcgill! I will definitely check with my own credit union about a second account.
  6. They want me to use an actual check from the checking account to pay them. So they want a check number, the account number, and the routing number. They say on their site that they retain the checking account number and the routing number. To my knowledge, yes I can open an account online, but does that give me actual checks so I can give them an exact check number? No. It will take over a week for an online bank to get me those checks in the mail. I am not looking to complicate this process. I found a credit union that will take immediate deposit, give me a few physical checks, an
  7. I don't trust them at all. I will need to take a day off work to drive to the only place I can find that may accept me for an account. But it's better than them having access to my regular account. Thanks!
  8. I was able to make payment arrangements for a debt before a collection agency sued me. Literally they have filed the suit and once I made payment arrangements, they then filed a petition with the court to wait 60 days to seed if I make payment. The payment is broken up into 4 payments. In order to make payment, they demand my checking account number and routing number to my checking account. They refuse debit cards 100 % and say the will only accept payment through my checking account and an echeck. First, I don't want them to have ANY direct access to my checking ac
  9. I inherited my house from my mother. The loan for the house was kept in her name after her death, the house is now in my name. I am self employed. This past year my business ran into troubles, and my income went to nearly nil. Credit to some big dings, and I am in low 600's across the board. I fell behind on the mortgage. I have the money to catch up ( 3000.00), which only came in this past week. I was planning on making that payment tomorrow, but today received notice from the USDA that they are opting to call in the loan on the house. I have until the 4th of January to pay the o
  10. I haven't had a car loan for 18 years. I mainly wanted to know if a 30 day late payment that has only aged 3 months on my credit report would put me in a position of being declined for a loan. Thanks for your response!
  11. I am self employed. There was a change in how my particular business is done, so the business crashed, and I have been in the process of rebuilding it. That is going ok, it's taking longer than I thought it would. I expect things will be very good in a few months. I have been rebuilding credit for years, and recently have had perfectly clean scores across the board. No doubt there have been some extremely close calls, and this past week, I messed up. I was already late on my cap1 card payment, and expected to get both payments before the 30 day late would hit. I have
  12. You are probably right. I simply wasn't aware that they could pull a payment without me initiating the pull.
  13. I have a small loan through a loan company. Usually I make the payment through my bank, with my checking account. A couple of weeks ago, I made a payment with my PayPal debit card. Yesterday I saw that the loan company, on their own, pulled the payment I was to make today, off of my PayPal debit card. My PayPal account didn't have enough for the payment, so PayPal pulled it out of my checking account. End result, is the current payment is made, and I am baffled and irritated they used my debit card to draw the payment. I did NOT authorize the company to use the card.
  14. What I am actually asking, is it likely Dell would have records of what was ordered on the credit card at this point, and who it went to?
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