Hello all, thank you all for your replies to my "negotiation" question.. very helpful. here's a serious issue I have in the works right now and would appriciate any help with this.... I have just noticed there is a debt in collections on my credit (wish this was the only one).. But this one is an account I have no recollection about..( a credit card).. opened in '99 and has since been charged off, turned over to collections,nd then "Purchased" by another collection co. Where the account stands now. I have contacted the co. and asked for ALL information of the account, I was looking to recieve valid purcheses made with this credit card.. they replied with a letter ONLY stating account name orriginal creditor, date oppened, ect.. Just the very basic info NO info of purcheses made, they DID however state "last payment" made on the account was 6/9/00... < no info on how much, where or how payment was made.. I have since conacted the "department of banking" and sent a letter along with copies of letter I sent to the collection co, and the response letter I recieved from them.. SO now it is in the hands of the dept. of banking and I am awaiting a response from them. Has anyone ever delt with the dept. of banking???? Is there any other route I should take??? If they cannot verify any pucheses made with the card can I have the debt removed???? I stress the point "purcheses" because the balance of the debt is 989.00 and I honestly can't recall ever having an account with this credit card company.. They MUST verify usage (purcheses) as well as payments right???? Please help Pj thanks anyone for responses.
