My question involves collection proceedings in the State of: Maryland
Hi: I am in a lot of debt and I am broke. I pulled my credit report and I see the names of the companies what now own the debt I guess. Can more than one debt collector call me about the same debt. Is it a matter of each one trying to get the money first. What is meant by charged-off. If my debt is charged off then who do I owe money to. How do I stop all the phone calls. They even call me on my cell phone which is crazy because I don't want my cell phone bill to go out of control. I don't answer the calls because I am afraid. I don't have money to pay. Also, two of them took me to court and I made an agree to pay a nominal amount each month. Is it too late to make them an offer and settle with them. I am trying to clean up my life!

