Momofthree27 please help me. I just got reported by Delbert today too. I am in Texas. They have been calling and sending mails and emails constantly, but i have ignored them completely. I have never signed anything with Delbert. The only trade line on my credit was in good standing but closed from cash call. Now Delbert puts the 30 day past due out of nowhere. I pulled out a $2600 loan through Western Sky back in the middle of June 2013' immediately transferred to cash call and now delbert. I have paid about $800 and was never late until I got wind of all of this scam and stopped payment back in September. They haven't taken any money out of my account. I have not done anything in regards to filing or paperwork etc. Was considering just to pay the thing off in request for them to delete the 30 day credit mark. I am in the process of getting a home and this is killing me. They say may balance is $2595. Please advise me of what exactly to do at this point. I am in Texas like you. Should I plead with them and pay to delete as it may be the most expedited course of action? Please help. Thanks. I tried registering with the forum but it always is trouble logging in.