Why Chat

WASHINGTON – Citing a court order, the Trump administration said on Jan. 9 it will fund the Consumer Financial Protection Bureau with $145 million, a reversal that ends an 11-month battle that pushed the consumer watchdog toward insolvency.

I like them-- no problems quick response times and yes I pay off my accounts monthly.

https://www.nytimes.com/2025/12/30/business/consumer-financial-protection-bureau-funding-trump-vought.html Judge rules funding for the CFPB must be restored. All is not lost YET!!!

I worry more about loss of memory than loss of energy although I WOULD like the energy to forget I am nearing the century mark.

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Try this https://whychat.me/GUIDEBOOK.html

No I am looking for the SOL date for being sued. Some States have a 3 year SOL

Flyingifr gives good advice-- however---it may also be to your advantage to review the EXACT status of your account with Merrick. What KIND of account did you have with them? Credit Card?? if so what was the last statement you received-- ie did it show the account as closed?? If so ,what was the effective date of closure. When EXACTLY was your last ON TIME PAYMENT? ( and of course answer "Flying's" questions.)

What may have worked in the past ie letters threatening FDCPA reporting is useless now as consumer protection agencies have been emasculated. Ignoring these bottom feeders is the best choice in these days of kidnapping every bit of data transmitted.

Sometimes a person has to stop digging themselves in deeper. If you have no assailable assets (check your State here https://whychat.me/ scroll down to bankruptcy data. Otherwise you can ( if your assets are protected from judgments) simply keep your gas credit card and your lowest balance card and stop paying on all the others. I presume that you can not increase your income. Judgments are generally a lot more aggravation--debt collectors etc. but filing for BK has it's downside too-- they both take time to get over and they both are embarrassing ,however it is certainly better than the death by a thousand cuts that you are going through now. (if you decide to file BK pay off your gas card and lowest balance card and don't use either for 3 Months before you file or 3 months after your final BK release)

I suggest that both of you Marv and Sidewinder carefully check your accounts that may have been hacked. Gas station units are notorious for being hacked-- the hackers don't need skimmers anymore. I use ONLY my gas card for gas and never expose any of my other cards anywhere at any public place. I use my debit card in public because I have a small local bank that is closely monitored.

Where is your SSDI going to?? If it is going to an address or account in someone else"s name and that is someone who you trust and who trusts you perhaps they can open up an account in their name with you as signatory with any small bank or CU nearby. You could then get a card in their name with you as user--that way your ss# wouldn't be exposed. After a year you should be able to expand that to a credit card from that bank or credit union.

Is the house her homestead?? What State is she in?? Many States prohibit judgment liens on homestead property. https://www.legalconsumer.com/bankruptcy/laws/

I suggest you quit My Fico and file a complaint against them with your State's consumer protection agency-- you should also see if a consumer lawyer might take your case to sue them for defamation and fraud. P.S. Ignore "embertmorton200" he is either an illiterate fool or a CA plant--obviously there is nothing to file against any CRA as there is nothing actually being reported.

I suggest you send a copy of your letter together with a "cease and desist" to the CRAs where this fraudulent account is reporting and demand deletion.