Refinancing Problem ?

Q: I have a lot of bad items on my credit report, due to ID theft. It took me a long time to discover it ("my" address had been switched to other addresses), so some accounts got sold to collection agencies. So I did what I assumed was the right thing: told the credit reporting agencies, wrote each creditor or agency, explaining what happened, even giving them the identity of the thief. With each letter I included a copy of the police report, photocopy of my driver's license, affidavit of fraud. I also asked, specifically and in bold print, for documents for each account (applications, etc.) -- which I am entitled to by law -- so I can match up fake addresses with credit cards for the postal authority's investigation. Naively, I thought that would do it. Nope. After the credit agencies "investigated" (which I assume means no more than asking each reporting company to "verify" the debt), some items were removed, some were not. ("Investigate," my ass.) And some of the creditors and collection agencies insist the charges are valid. Also, there's this game being played where creditors tell me accounts have been sold, so it's not their problem anymore, while the collection agencies tell me that I need to deal with the original creditors. (Reminds me of a game of keepaway.) So far, NOT ONE has given me the documentation I asked for. And they lie like hell, claiming, for example that they didn't get all that I sent them. This makes me extremely angry, because I didn't open a single damn one of these accounts, and

each of the places KNOWS they can't prove it's my debt. There has got to be some way, short of hiring a lawyer, of clubbing these places into doing the right thing. (The FTC won't even touch a club, let alone pick one up.) Any ideas? I'm open to any suggestions,

A: Is your debt stressing you out? Need help? Well get ALL that unsecured debt (credit cards, lines of credit, medical bills etc) negotiated and settled. They eliminate ALL your interests rates and fees. Get out of debt fast and improve your credit rating. This is NOT credit counseling, debt consolidation, debt management or refinancing. It is arbitration for your debts.