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Should I settle my RISE loan with NCB Management?
I defaulted on a Rise Loan around 10/2015 which is now about $6300. It was charged off and bought by NCB which has called me and now sent me a letter asking for a full payoff at 45% of total or...
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Should you pay Firstsource Advantage LLC instead of your creditor?
I have a credit card with Bank of America that has been charged off since 2011. I was making payments of $20 a month up until last August. When I began to check my credit, I noticed no payments were...
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Negotiate a Settlement with CIR Law Offices
I received an account charged off-letter from CIR law offices in San Diego. Now I've read all the posts on how to negotiate debts with debt collection agencies and I actually sent a certified letter...
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How to handle collections with Alltran (formerly United Recovery Systems)
Few months behind on a Citibank Home Depot card. My account was sent to United Recovery Systems (now called Alltran). I haven't made any actions besides calling Alltran who told me my card hadn't been...
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American Education Services Student Loans with a Debt Collection Agency
I cosigned a student loan for my daughter with American Education Services, and she thought it was deferred until she graduated. Which just happened last year fall semester. I have been getting calls...
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Debt Collection: Something Different This Way Comes
By some estimates, more than a third of the adult population in the US is going to come in contact with a debt collector at some point. If you have never had to deal with debt collector before, your...
View ArticleSettling debt with Radius Global Solutions
A site reader recently wrote in to ask about dealing with a large debt collection agency by the name of Radius Global Solutions, who they are, and whether to settle a debt with them. The submitted...
View ArticleLeaving the US Without Paying Debt
I have seen an increase in reader questions and phone consults about stopping paying debts when leaving the US, or after having already left, and not being able to keep up on minimum payments. You may...
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Should you make a good faith payment to a debt collector or lender?
I'm negotiating a settlement with MCM. Midland Funding bought my Citi outstanding account. They want me to send a "good faith payment" in the amount of at least $25. I did not send and started getting...
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Portfolio Recovery Associates and Solving Your Debt
Portfolio Recovery Associates is one of the largest debt buyers in the country, and one of few publicly traded in the United States. Like many of the largest debt buyers in the US, PRA buys up unpaid...
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Coping with Freedom Plus Loans When You Cannot Keep Up Payments
Freedom Plus loans can range from about ten to forty thousand dollars. The interest rates can vary depending on your qualifications when you get approved for the loan. This can make for hefty monthly...
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What to do if Your GreenSky Loan Becomes a Problem
GreensSky loans are primarily unsecured, and made for home improvements. The loan amounts can reach above fifty thousand dollars. How much your monthly payment is will depend on the amount of your...
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How To Deal With Resurgent Capital and LVNV Funding
Both Resurgent Capital Services and LVNV Funding are part of the Sherman Financial Group based in South Carolina. I have been helping people resolve debt with this debt buyer and collection agency for...
View ArticleResolving Debt with Velocity Investment LLC
If you are hearing from Velocity Investment LLC it is likely because they have purchased an unpaid account from one of your creditors. Like with many debt buyers, Velocity bids on accounts that have...
View ArticleWhat to Know About CKS Financial Before Dealing with Them
CKS Financial is both a debt collection agency, and a debt buyer. They will purchase debts and try to collect on them like other debt buyers do. They also act as a contingency collection agency for...
View ArticleComenity Credit Cards Can Be Settled For Less
Comenity Bank is mostly known for servicing credit cards for stores and other outlets, not for their own branded cards, or retail bank locations. As you will see from the list below, they are the bank...
View ArticleDebt Settlement Success Often Depends On This One Priority
I often say that there are only 2 main ingredients to debt settlement success. Those are resources and timing. Resources means money you have to pay a settlement. Timing means your account is past due...
View ArticleDebt Collectors Calling? Don’t Make This Mistake
One morning I switched my phone into Do Not Disturb mode, and kept it that way for two years. At that point I had many unheard voicemails. I’d stopped listening to them because they all said the same...
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