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	<title>Comments on: what should i do with this collection agency?</title>
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	<link>http://www.1-hour-payday-loans.org/what-should-i-do-with-this-collection-agency/</link>
	<description>Faxless Payday Loans In 1 Hour</description>
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		<title>By: Common Sense</title>
		<link>http://www.1-hour-payday-loans.org/what-should-i-do-with-this-collection-agency/comment-page-1/#comment-113</link>
		<dc:creator>Common Sense</dc:creator>
		<pubDate>Tue, 20 Jul 2010 04:12:27 +0000</pubDate>
		<guid isPermaLink="false">#comment-113</guid>
		<description>You would spend thousands in legal fees IF you could ever find and prove who&#039;s doing it.
Tell him to go ahead and sue you...it&#039;s obviously a scam to scare you into paying.</description>
		<content:encoded><![CDATA[<p>You would spend thousands in legal fees IF you could ever find and prove who&#8217;s doing it.<br />
Tell him to go ahead and sue you&#8230;it&#8217;s obviously a scam to scare you into paying.</p>
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		<title>By: Credit Trauma</title>
		<link>http://www.1-hour-payday-loans.org/what-should-i-do-with-this-collection-agency/comment-page-1/#comment-114</link>
		<dc:creator>Credit Trauma</dc:creator>
		<pubDate>Tue, 20 Jul 2010 04:12:27 +0000</pubDate>
		<guid isPermaLink="false">#comment-114</guid>
		<description>You have lots of rights.  First of all read this: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Then use letters located here to get the debt collector to validate that the debt is yours and then get them to stop calling you: http://www.credittrauma.com/free-letters/collection-accounts/

I&#039;d also get a copy of your credit report through www.AnnualCreditReport.com.  You can get one once a year for free.  Check to see if this item is even reporting on your credit and use the on-line dispute system to dispute it there as well.

Make sure you get all their information in case they continue to harass you.  You&#039;ll need it if you decide to pursue this further.</description>
		<content:encoded><![CDATA[<p>You have lots of rights.  First of all read this: <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf">http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf</a></p>
<p>Then use letters located here to get the debt collector to validate that the debt is yours and then get them to stop calling you: <a href="http://www.credittrauma.com/free-letters/collection-accounts/">http://www.credittrauma.com/free-letters/collection-accounts/</a></p>
<p>I&#8217;d also get a copy of your credit report through <a href="http://www.AnnualCreditReport.com">http://www.AnnualCreditReport.com</a>.  You can get one once a year for free.  Check to see if this item is even reporting on your credit and use the on-line dispute system to dispute it there as well.</p>
<p>Make sure you get all their information in case they continue to harass you.  You&#8217;ll need it if you decide to pursue this further.</p>
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		<title>By: R MOORE</title>
		<link>http://www.1-hour-payday-loans.org/what-should-i-do-with-this-collection-agency/comment-page-1/#comment-115</link>
		<dc:creator>R MOORE</dc:creator>
		<pubDate>Tue, 20 Jul 2010 04:12:27 +0000</pubDate>
		<guid isPermaLink="false">#comment-115</guid>
		<description>You are correct. Common sense has the best answer and in fact beat me to it. I have seen the adverts for Payday and I have also looked at the small print on their leaflets an had a Guffaw!
THEY ARE A LOAD OF LOAN SHARKS!!!!!</description>
		<content:encoded><![CDATA[<p>You are correct. Common sense has the best answer and in fact beat me to it. I have seen the adverts for Payday and I have also looked at the small print on their leaflets an had a Guffaw!<br />
THEY ARE A LOAD OF LOAN SHARKS!!!!!</p>
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		<title>By: scott k</title>
		<link>http://www.1-hour-payday-loans.org/what-should-i-do-with-this-collection-agency/comment-page-1/#comment-116</link>
		<dc:creator>scott k</dc:creator>
		<pubDate>Tue, 20 Jul 2010 04:12:27 +0000</pubDate>
		<guid isPermaLink="false">#comment-116</guid>
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		<content:encoded><![CDATA[<p>hi<br />
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