Matthew from North Star is harassing my parents. They have told him on more than one occasion that I don't live with them and to remove their number, he has my number, but he insist on calling them and today he gave my mother all of my debt information he told her my balance owed and the company it’s owed too.

One collection agency called Calvary Portfolio services called my mother’s home on a Sunday afternoon asking for someone named Buckner which is not us. They called many times before but ignore the fact that we told them that no Buckner lives here and we do not know a Buckner. Portfolio Recovery has called my mother’s house numerous times looking for a person named Joyner, she told them each time no Joyner lives there and we do not know a Joyner. I have called them twice about this issue and each time they tell me they took my mother’s number out of their database. The numbers are all 800 numbers I had to *69 them because my mother is elderly and doesn't know how to confront them. Can I get a list of 800 numbers that called from my phone company? My mother’s number is in my name, and I have had this number for years. I have no debt in collection myself and my credit/debt/liabilities are current with a high FICO score. My mother owes nothing and is not in any default. Do I have cause for legal action beyond filing a complaint with the FTC?

NCO bought my debt from Am Express. They called my ex husband and told him he was responsible for 1/2 of the bill and they would sue, him for at least 1/2 if not all, they would lien his house and garnish his wages. I called AMEx and they said he is not the cardholder. I contacted NCO-Beverly and she gave me the same response said I had until 1/30 to get together at least 15,000 to pay the debt down to a reasonable amount or they would sue, garnish, lien all of the above. They call me about 3 times every day. I have started making payments of 100.00 and she said it was not good enough. I had dealt with them previously and they threatened the same thing. I was so rattled when my ex called that when I called her she got my work address, phone, wages, and cell #. I told her this could place my job at risk. She didn't care. I also told her I could not come up with that kind of money and she said I had to by tomorrow have an answer for her or she would sue my ex and me. I have called her back after I contacted AMEX and left her a voice mail to not contact my ex again as it was not his debt, not to call me at work because I could lose my job and that I was not done with this issue and she would hear from me tomorrow.

I have had the Scott Lowery Law Firm (CO) contacting me for over a year now (via phone some but few mail contact). I am unemployed so they call me on my cell phone daily now. The month's of Aug. thru Dec. calls were twice a day. Last Tues., Jan. 27, 2009, they contacted my husband's cell/work phone and asked him if he was in fact my husband and if our new address was correct. This scared both of us as we had moved only 29 days ago. I have no idea how they got his cell # nor our new address. This is an old MNBA account I did not pay off or work out a plan with them so was sent to this firm. Original amt. was 15-17,000, now they claim I owe 39,000. I tried using US Financial for over a year and they fought off some calls but the stress this has caused to my pregnancy is unbelievable. I was sent to a cardiologist due to the stress from their calls and now knowing where we live, etc... Please advice. I would settle with them but only have 7,000 saved to do so and I feel that I

I defaulted on a car loan back in 1995,but made arrangements to pay what was owed to stay out of court, then in 2003 I received a bill from cavalry portfolio for 19,000 dollars. at the time I owed on a student loan and assumed it was just that. So the lady from cavalry would call and set up payments for 3 months at a time. Then after a while she just started taking it out every month without my consent. This is when i found out it wasn’t the student loan. I told her right then and there not to take any more money out of my account. I explained to her that I took care of this debt back in 1995. Of course the original company no longer exists, and they expect me to find the proof that I paid this money. I was receiving phone calls nonstop every day for awhile, and then they stopped. Now they are calling again, and they even called me at my place of work last week, which I assumed was against the law to do. The original car loan was for 5500 dollars, after I defaulted they were going to sue me for 3000, and i settled to pay 1200(100 a month) to keep it out of court and settle the debt. They never seem to want to give me any information, as to how I owe this money. They do not show up on my credit reports, but they keep popping up as credit inquiries, in order to knock my credit score down. Please let me know if there is anything I can do to resolve this.

You might think this is the worst time to try to negotiate a better deal with your credit card company, but you're mistaken.

It's true that the nation's credit crunch has resulted in card issuers reducing credit lines, canceling unused accounts and raising interest rates. But you don't have to sit by.

"It's kind of counterintuitive," said Curtis Arnold, founder of card-comparison Web site CardRatings.com and author of "How You Can Profit From Credit Cards."

http://www.chicagotribune.com/business/yourmoney/chi-090125-spending,0,1448939.story

At the beginning of the New Year the Federal Reserve announced that in November of 2008 credit card debt totaled $973.5 billion--a decrease of 3.4 percent from October 2008. While that may sound like some good news for consumers, the numbers fail to reflect the debt that has already been written off the books and landed into the debt collection market.

http://www.opposingviews.com/articles/opinion-americans-1-trillion-in-credit-card-debt

A debt collection firm in Lithuania has hired the country's most famous self-styled witch to track down deadbeats. A spokesman said the new employee will use her "powers" to heal those "suffering from psychological impact of bankruptcy and depression."

http://www.npr.org/templates/story/story.php?storyId=99451294

It can happen on two fronts.

Either a legitimate company makes a mistake or a schemer is simply looking for ways to access your pocketbook.

We got a complaint about a company called NCO Financial Systems.

The company reportedly calls victims daily asking for repayment for a debt they don't owe.

In fact, the Federal Trade Commission fined NCO $.5 million for reporting inaccurate information to credit bureaus.