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I would not pay them. It sounds like it was re-aged. You could dispute and if that does not work , ...
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It sounds like these people are junk debt buyers. I would never pay a JDB because in 99% of the cas...
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I have a relationship with chase going back to the late 1980's   Perfect payment record until 200...
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+2 to what JJ said.   First of all, I would never pay a junk debt buyer a penny.   You have to ...
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Thanks Starting.     I forgot the NOT. Meant do not borrow.
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Send a certified letter to OC/CA or attorney saying you elect private contractual arbitration. Some...
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A lot depends if you are dealing with the OC or a CA.   An OC will have all the paperwork.Most ma...
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safetouch , if they reported to credit bureau,would report zero balance if they sold the debt.   ...
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Did Accelerated buy the debt ? If so, they paid 3-5% for it. If you want to settle at 20%, start lo...
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I had same experience as OP with Chase.   I have a 25 year relationship with chase. In 2009 , i h...
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Let kids and young adults manage cash and debit cards first. Let them show they can stick to a budg...
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i would leave retirement account alone. Renting is not a bad option in many cases.
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i would maybe reduce the 401k contribution rate a percent or 2 while you pay off cc. Avoid 401k loa...
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I'm not sure i would do this. I think it wil be hard to get a 6% after tax return to make this work...
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They aren't really credit scores but debt scores. The more credit and lines you have , the higher y...
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hang in there. Things will get better. Most of us have been there too.
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the letter is too long. They dont care about your personal or financial situation.   Keep it shor...
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+1 to what shogun said.   A creditor soft pulled me without a PP and i sent an Intent to Sue lett...
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It is good seeing these young people on the right path.   EZ, you should be very proud with a son...
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No hate was intended in my comment either.   I'm an old guy and I hate seeing young people gettin...
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