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Found 3 results

  1. Hello, I have a charge off from HSBC/Saks that was purchased by Calvary Portfolio Services. I have sent a DV, and most recently a PFD. They would not accept the settlement and stated that they do not delete. The current balance is 1821. The lowest they will go is 1350. I don't have enough to pay the entire 1350, so I offered 600. They rejected the offer and said they couldn't help me. Is there another way I can try to get them to settle?
  2. Hi, Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here. I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job. Went through hard times in crash and lost house and then more money troubles lead to divorce. Ran CR and later found that not all CC's had been closed and had beeen run up and not paid. Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card. I had pulled my CR 2 years ago and all of these were being paid but all late 180+ Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there. Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me. I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again. Any help much apprecieated.
  3. Does the 30 day requirement for a CA to validate a debt mean they have 30 calendar or 30 business days. I sent a DV letter to Calvary over 30 days ago and have yet to receive a reply. Also would I have to actually receive a response within 30 days or would Calvary just have to postmark it by 30 days.

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