Can a collection agency report a bad credit card debt if they do not have written records?

Dec 06

cloudBad Credit Card , , , , 2 Comments

bad credit card

I was contacted by collection agency an account that was charged off 8 years ago. They said they bought that debt and are reporting it on my credit.

I asked for written records with my signature to ensure that it was a real account that I opened. They said that it had been validated by the orginal credit card company, but they could not supply any records with my signature.

Can I have that removed if there are no records with signatures showing that I ever opened that account?

What kind of options we have to deal with credit card companies when under their debt?

Dec 02

cloudCredit Card Deals , , , , 4 Comments

credit card deals

I have credit card debt and this time it is hard for me to manage it. Do I have some kind of options to deal with credit card companies to have some break or if they can write off part of it without affecting my good credit? If requested, can they defer the monthly payments? But whatever is negotiated, I don’t want to mess up my credit. Any viable solution please.