Why Chat

Don't be surprised if you receive no answer-- I believe that many of those functions are being handled by AI and if your response doesn't "fit" into the parameters it will get lost in the system.

Check with your State's consumer protection and/or financial fraud department. Send your letter to Global and copies to the most assessable State agency and add to your letter the names of the agency/agencies you are copying to .Don't bother with any Federal agency as they are (for now) paralyzed.

Congratulations-- although you didn't get the information on her response you DO have the ability to save the data as to her telephone # she called you from.

If you haven't heard from Guide then you can be SURE it is a scam. DO NOT RESPOND Business Revenue Systems (BRSI) is a third-party debt collection agency that faces frequent consumer complaints regarding aggressive communication and billing practices. Common issues include repetitive phone harassment, failure to properly validate medical or consumer debts, and unverified or inaccurate reporting on credit profiles.

You are doing fine. Continue to ignore calls like those. You should however check your PayPal account to see if it has been hacked--be careful they have changed their website so don't click on anything that asks you to share or change something.

Make sure you double check any link or phone number carefully. There is currently an epidemic of hacking going on in the internet.

I doubt that this is a valid claim. However you can check with Guide to see if there was any left over billing. DO NOT respond to the CA as that would tell them that you are a "Live Sucker" If you received an unexpected bill from Guide Anesthesia, it is typically for professional clinician services not fully covered or processed by your insurance. To resolve an unknown or surprise charge, verify your insurance Explanation of Benefits (EOB), confirm network protections under the No Surprises Act, and contact their billing support directly.

It is going to get MUCH MUCH worse before it has any hope of getting better.

California has a 4 year SOL. That means if the date of the last ON TIME payment to Synchrony or Cap One was LESS than 4 years ago they can be sued. The letters to the CAs may trigger a lawsuit if your relatives have assailable assets.

https://whychat.me/GUIDEBOOK.html PM not PD Here is how to send priority mail letters: Go to the PO and get a dozen flat rate priority mail envelopes (6X10 is the easiest to use) You can either buy them prepaid with the postage ($7.35) or buy the priority mail stamps separately. Get a stack (they come in a book) of FREE USPS tracking forms. Whenever you send a letter, affix your copy of each receipt to the hard copy of the letter you have sent. You will, of course, be entering that PM tracking # in the heading of each letter.

Using an on line system for responding to a JDB or to a CRA is a big mistake. Handwritten of blue font snail mail doesn't wind up in an AI system. A JDB can't file an action in any court system that would hold up to a written answer of requesting proof of the account and/or stating the suit is past the SOL

When was their last ON TIME payment and what State are they in?? If your relative is beyond the statute of limitations for being sued then the letter should work. I don't believe I suggested the "handwriting" thing for letters to JDBs--it is reserved for CRAs (Experian etc.)

8 Months from now we can start to repair the disasters.

Leave them-- you never know when you might want to re-open them PLUS the age of the "good" accounts is far more beneficial than any slight effect the low limits would have.

The best comments any of us can make are at the ballot box.