I owe HFCand I'm behind on my payments , they have

I owe HFCand I'm behind on my payments , they have turned me over to a collection agency. How should I handle this?

2 Answers

You should ask the collection agency to validate the debt first. If the debt is validated by the collection agency, then you can settle it. If you don't settle the debt, then the CA can file a lawsuit against you. 


Pay them?  Are you disputing any portion of the debt?  What do you want to do?

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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