Hi, I was referred to this web site by a friend. I have creditors raising my interest for the past 5 months. I contacted them and they tell that the rate has been changed. When I ask to speak with someone in charge, they tell to write a letter. I have recieved anything back. I stopped making my payments in two months ago. I've heard about consumers getting charges put on their accounts without authorization. I have also, heard about send a dispute letter to creditor and also, the three credit reporting. To tell you the truth, " there are so many letters I'm not sure which ones to send who. If anyone has the time to point me in the right direction, I would really appreciate it. Thank You, LJ