No. of Recommendations: 1
1. Make yourself a file with three manila folders in it. One for the original debt, including all your statements, records of when and how much you have payed them, and any anything else from them. Second one for the collection agency. Third one for Cambrige Debt Management.

1. Don't pay the collection company ANYTHING!. Go to and read his free book (I think you can download it in Microsoft Word file format). Follow his directions and use his sample CEASE-COM letter. Send this letter to the collection agency by way of certified mail, return reciept requested. Keep a photocopy of the leter you send, along with the certified mail reciept and number, in a file with any other correspondence you have about this matter. This letter will force them to give up on you and send their account back to the original creditor. Don't do ANYTHING with them by phone and don't send them ANY money.

2. I don't know how far behind you are with Providian, but if they keep sending you statements, keep paying them as much as you can. If they don't send you a statement, call and find out BEFORE the reqular due date to find out WHY you didn't get one and pay them ANYWAY if you have to. If you can't pay what you should, call and work out something with them BEFORE you become late.

3. Find out what happened to your money that you gave to Cambrige. Send them a certified letter detailing your complaint along with a copy of your returned check, and copies of later statements showing that the payment was never recieved by Providian. Mention your state's Better Business Bureau, you're state's attourney general's office, the federal trade commission, and whatever else you can think of.

Make sure your letters are properly written business letters. Keep your language straight and to the point. Don't use a whiny or bitchy attitude. Include something to the effect that you expect a response within ten business days from reciept of the letter, except in the cease-com letter.

Jump on this and stick on it.

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