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I Hate Debt Homepage Section 1 A Look at Debt History of Debt Credit Card History Current State of Debt How You Got Into Debt Good Debt Bad Debt Business vs. Personal Debt Section 2 Dealing With Your Money The Two Step Plan Doing The Two-Step Step One Step Two The Paths Out of Debt 1- Create a Debt Payment Plan 2- Neogtiate Better Rates & Terms a.Consolidation Loans b.Consumer Credit Counseling Services 3- Negotiate Lump-Sum Settlements 4- Bankruptcy 5- The Easy Way 6- Win $1,000,000 Living Debt-Free Manage Your Money Make More Money Save Money SameMoney-MoreFun Stay Debt-Free You as a Business Section 3 Dealing With Your Creditors Alerts/Scams The Credit Industry Credit Industry The Fine Print The Secondary Debt Market The Debt Collection Process Original Creditor The Charge-Off Collection Agency Legal Problems Dirty Creditor Tricks Dealing with Debt Collectors Dealing with Debt Collectors Statute of Limitations Cease and Desist Letter Section 4 The Credit Report The Credit Report Credit Score Credit Repair Section 5 Dealing With Yourself The Critical Factor The Art of Prosperity The End of Failure Prosperity Coaching Section 6 Kids and Money Kids and Money How to Pay for College Section 7 Debt Information Bookstore Debt Facts Radio Show Resources About Us Privacy Policy Site Map If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.	A Consumer Alert on Camco Provided by Andrea R. Villarreal with Better Scores Better Rates As many of you are aware the FTC has an ongoing investigation on Camco, a company that purchased old bad debts then tried to collect on them, for their illegal collection practices. Take a peek for yourself at The FTC press release on the whole situation here. Now while some consumers are breathing a sigh of relief that they are no longer being harassed by one of the WORST offenders on the block they are also forgetting that they now should contact the credit bureaus demanding removal of Camco from their credit files. That’s right, demand removal. They are currently not fully functional, they are known for making up false amounts of monies owed, they are known for illegally reporting on credit reports and whom will the bureaus be able to speak with the verify this information. My advice is to make the best use of this time and work on getting them off your credit reports if they are on there. For the I Hate Debt readers I am attaching a sample letter you can use if you have been a victim of Camco and would like to get them removed from your credit file. Once again the FTC actions prove that yes, they do work for you and using the work they have done you too can help yourself. ***Below is a Sample Letter that you can use as a guideline to contact the Credit Bureaus. You may choose to mail it regular mail or send it Certified Mail. I suggest your change the letter up a bit to suit your specific claim and writing style. This letter does not constitute representation and should not be used in place of legal counsel.***** Your info (Don’t forget to put your SS#) Experian Attn: CASS P.O. Box 2104 Allen, TX 75013-2104 Transunion 1561 E. Orangethorpe Fullerton, CA 92831 Equifax P.O. Box 740256 Atlanta, GA 30374 To Whom It May Concern: It has come to my attention that Capital Acquisitions & Management aka CAMCO has been under investigation by the FTC and is no longer in full operation. Attached is a copy of such press release dated December 8, 2004. They are listed on my credit file alleged I owe a debt that I do not feel is mine or is incorrect. I am requested that the trade line or collection account listed as Capital Acquisitions & Management or CAMCO is investigated and removed from my credit file is it is found to be incorrect. Per the FCRA you are to have 30 days to complete this investigation and then send me a copy of an updated credit file. Per your companies request and guidelines for investigation I am enclosing a copy of my drivers license and a utility to verify I am in fact who I state I am and live at the address listed above. Your prompt attention in this matter is requested. Thank you, Informed Consumer.	More Credit Report Links The Credit Report Credit Score Credit Repair Your Free Credit Report The History of the Credit Report Credit Report Tips Credit Repair Scams Credit and Your Career Consumer Alerts for D.C. Credit Services and Camco Some collection agencies has started reporting old debt as new. Find out more here and here's a letter that you can use to file a complaint if this has happened to you. Books on Credit Repair Read the transcript of Andrea Villarreal from Better Scores Better Rates’ "I Hate Debt" radio show interview. Improving Your Credit Score 1 Improving Your Credit Score 2 Listen to Andrea R. Villarreal from Better Scores Better Rates’ “I Hate Debt” radio show interview. Segment 1 Segment 2 If you're looking for help try the Credit Secrets Bible™ Don't let bad credit cost you money. Fix it!

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