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Posted: Thu Mar 22, 2007 3:03 pm Subject: Having a breakdown again.....

Cashnet500 just called me because of course, there was no $ in my account and their debit was returned. Well, they will only split what I owe into 2 payments for a payment arrangement. I told them there is no way I can afford that. They said that is the only thing that I can do. They wanted to know what was acceptable, and I said $50 a month. Well that is not an acceptable arrangement.

I am just hanging in there till I can get my $155 to T and C. However, I was looking at some old posts and it looks like Cashland might not accept a proposal from T & C. I HAVE to get with T & C or I am going to lose my butt. Has anyone gotten T & C to work with Cashland and Cashnet 500? I am scared to death once again and know I will not be able to sleep. I can't afford to make monthly payments to all these places and to T & C and still pay my bills. Not to mention Payday Avenue won't work with me at all, either.

Posted: Thu Mar 22, 2007 3:07 pm Subject:

By the way, Cashnet called my cell phone twice today, within 4 minutes of each other. I called them back right away. I asked them nicely not to call my cell phone but they said they have the right to for their collections. I told them they are more than welcome to call my home but not to call my cell but insisted that is their right.

Posted: Thu Mar 22, 2007 3:19 pm Subject:

Sass,
I cannot offer much in pdl's except that they are original creditors so fdcpa does not apply to them. If your state has any rules for dealing with creditors,maybe you can check into that. I would file with the Attorney general and office of Financial institutions for your home state to see if you can get a little breathing room.

Posted: Thu Mar 22, 2007 3:56 pm Subject:

I already filed with the AG's office. A few days ago I spoke with a gentleman from Payday Avenue that wanted almost $460 for a $200 loan. I emailed them again and told them they were illegal, etc and to only contact me by USPS or email. He called my house yesterday and left a message, and another one today. He said, I did get your letter, and we have no access to email or the USPS so I will continue to call you regarding this. I don't know what to do. I can't afford to pay Payday Avenue in one shot like he insists. He said there is no other option.

Posted: Thu Mar 22, 2007 4:01 pm Subject:

Sass,
Please check your state code to see if there is a section for harassment by telephone. If it does exist,put him on notice. He calls after that,fill out police report and let the law deal with him. Now,take a deep breath and relax.He is stressing you to bleed money from you.Remember rule number one. You need enough money to feed you and keep roof over your head.After that,it is entirely up to you who gets what.

Posted: Thu Mar 22, 2007 4:35 pm Subject:

Cashnet500 is one of the worse ones to deal with. They are really mean and evil people. Hang in there and things will get better. They will eventually leave you alone.

Posted: Thu Mar 22, 2007 4:48 pm Subject:

Hang in there Sass*if they really wanted their money they would accept your offer of $50 a month..Be strong and do not let them intimidate you...

Posted: Thu Mar 22, 2007 5:31 pm Subject:

I'm not so much worried about Cashnet as I am Payday Avenue. Cashnet said whatever I sent them would be applied to my account, even though they didn't find my terms acceptable. I don't know what to do about Payday Avenue. I want to make them payments but they won't let me and won't put anything in writing.

Posted: Thu Mar 22, 2007 6:49 pm Subject:

When I defaulted on PaydayAvenue and they found out that my payroll wouldn't honor the wage assignment, they did call wanting the balance in full on my following payday. Well, of course, that didn't happen, and then about a week or two later, they sent me an email with a settlement offer. They claimed I originally owed $621 on a $400 loan, but they were willing to settle for $337.

Posted: Thu Mar 22, 2007 6:54 pm Subject:

They sent you an email??? They called me today and said they don't have access to email or USPS!!! How did you pay them, did you split the payments or did you have to make it all at once? They only loaned me $200. Maybe they will settle with me.

Posted: Thu Mar 22, 2007 6:58 pm Subject:

The last time I spoke with them, I told them I'm including them in my Ch 13 bankruptcy.

Posted: Fri Mar 23, 2007 5:27 am Subject:

I wish I could do that. I filed bankruptcy in 2002. I guess I am stuck with these people harassing me.

Posted: Fri Mar 23, 2007 7:09 am Subject:

I filed bankruptcy in 2000 and it was discharged in 2001 so I think about filing chapter 13 all the time but then I am afraid I will get this really high monthly payment that I cannot afford either way...I just dont know what to do right now

Posted: Fri Mar 23, 2007 7:13 am Subject:

I thought that you could only file once every 10 years?

Posted: Fri Mar 23, 2007 7:16 am Subject:

I think it's 7 years . . . . . It stays on your credit report for 10 years . . . .

Posted: Fri Mar 23, 2007 7:19 am Subject:

Oh that makes sense, thanks. No Chapter 13 for me then. I would do it just to get Payday Avenue off my butt. I don't know what to do about them and it is making me physically sick.

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