Save your money, the book will be in a bin for free at the main door of your favorite department store in the New Year.

hey everyone get the book: "The Wolf at the Door: What to do when collection agencies come calling" your library likely has it...it's written by former Canadian collector Mark Silverthorn and it will make you feel 100% better and show you what to do!

can you please respond to this asap i got a letter today from CCL and it says that legal actio to commence on 12/31/12 unless payment is recieved before this date. that all allowable accrued costs fees interest and charged to be added to judgement and that they regret the necessity of this action but all efforts having gailed preceedings will commence automatically unless payment is recieved on or before 12/31/2012 and i have told them that i dont have money and what not at this time what should i do?

its from within the last year. i havent been able to make payments at all due to me not working as its hard to find work in the town i work in right now and he said something bout it being fraud or something i cant remember its been like a month now and i was kinda scrambling to try to find a pen and paper. all i remembered was him saying i can be charged.

Charged with what....lol
How old is this debt, what kind of debt is it....and when did you last make a payment....be specific.

Hi, I just got a call bout a month ago from CCL financial and they've called me several times and have emailed me several times and i've told the guy i don't have a job nor family and friends to help with money i've got like 2 grand in the hole right now but not sure what to do? like is it harrassment if they keep calling and stuff also they said if i didnt pay asap i would be charged for not paying but how can i pay it when i can't get money to do so?

I also just got called by CCL financial. I owe $14000. They told me they bought the debt from MBNA and if I don't pay by Oct 26 (6 days) they will take legal action. I moved and so have not received any phone calls or letters so this is the first time I'm finding out that I'm now dealing with CCL. I thought I was still dealing with MBNA and have been sending them a payment every 2-3 months whenever I could. I just sent them one this past Friday via online banking. They offered me a settlement of $10000 if I pay by the end of the month or else they will file suit. I do not have $10000 and they are telling me I need to get if from citi financial and it's at a high interest rate. I don't want to do this nor do I even think I can get it. So now what do I do? I really don't want to go to court. There is already an R9 on my report for this.

How old is this debt, when did you last make a payment on it...be specific and have you acknowledged this debt in writing and signed in the last 6 years?.

what about a person who is out of work and owes $18,000 to an MBNA card which just got sold to CCL?

Thank you. I have passed on the instructions.