Recent content by willbugs

Arizona. In response, no I have not sent a DV to them as of yet. It got turned over to the CA in end of January. I printed a copy of a sample letter from other web site I was viewing and it looks like a combo DV letter and also saying that they have no right to collect since they are not...

What is the name of your state?Arizona I need some help here folks... I live in AZ. which requires a collection agency to be licensed and bonded. I have been contacted and have made payment arrangements to a CA in Pennsylvania. I did my homework and found that they are not licensed or bonded in...

Another thing I might add. I have been trying to refi- my house so I could try to take care of this debt. With my credit rating the way it is and the charge off, I keep banging my head against the wall. I know that it is common sense that if your credit is bad you will not be able to refi a...

Thanks debtguy for reply---unfortunately "no" to both. Bill

What is the name of your state?Arizona O.K. Here goes-- I wanted to start off with this is one really cool site. I just found it..Thank You!!! From what I have been reading on the net I am under the assumption that CC companies can do almost anything they want when you are in default. I got...