how do i get out of this mess?

Karen, I have gotton to the point that I unplug the phone when it starts ringing with unavailable and 1-800 numbers in the morning. If anyone needs to get ahold of me they have my cell. But I don't answer that either unless I know who is calling. Our phones are for our conveinence not theirs!!! (I read that somewhere on here and thought it was clever and true).

Roo, very well said. I have already told three people today I am not here.

I know for a fact that a bunch of these pdl's are stil calling even after I sent the c&d letters....so everytime the call and I know who they are, they get an email from me indicating that I am logging their call.

good for you! They must think you never work.

I don't think she does either :wink: I think I have been passed on to all the CA's becuase the pdl's have not been calling. That is ok its all the same I guess.

RTS means return to sender. One of the certified letters you sent must have come back. I just received a note on my door with the exact same thing on Friday...went to the post office on my way home yesterday & I got back Westbury Ventures dba The Loan Shop & VC Funding located in Henderson, NV. Karen I'd run by & pick it up...at least you have documentation for your state AG that you tried to contact the company.

thank you imk. must be the letter i sent to national credit adjusters. why am i not surprised?

o.k. got this email today. this is the first time they have tried contacting. how do i handle it?


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karen, first of all, go pick up the letter. The above posts are correct. If it says RTS, it's something you sent out & it had a bad address. I have the address for National Credit Adjustors if it's them & you need a good address. Idiots. Also, your One Click Cash email you received - I just received one from USFastCash (again). Same exact form letter. Yeah, I'm going to click on the link and tell them how I'm going to pay. I'll pay with ANOTHER letter from my state AG. Funny how they keep sending me these stupid form emails and then say "do not respond to this email." Hey, I'm just abiding by their wishes. I don't respond. Let me know about the National Credit Adjustors. If it's them, let me know what address you have and I'll see if mine is different. Tell One Click to "bite you". :D

is one click cash and united cash loans the same people?

Yes, karen. They are both d/b/a's of MTE Financial. :evil:

If you send a certified letter with a good address and it comes back to you then does that mean that they cannot verify the so called loan that they gave? I've just recently received a call from someone in Texas though he didn't list a company or anything, but he said on the message that I've been legally notified and good luck. You know the usual scare tactic.

It doesn't mean they can verify it...it just means it couldn't be delivered or maybe they refused it.

billy, like morningstarr said, they probably refused it. If it was indeed a "good" address, and you're sure it was a "good" address, they didn't pick it up. Did it state on there anywhere why it was returned to you?

once again I am asking who mte is i get three to four e mails a day and still do not know who they are

THIS IS A LOAN COMPANY, SEEKING A FASLEY OWED DEBIT. i RECENTLY BOUGHT A BOOK ON LINE AND THAT SITE WAS NOT SECURE, ALL A LONG SHARING MY INFORMATION NEW BANK INFORMATION WITH THIS COMPANY. WHOM HAD ALREADY ROBBED MY PREVIOUS ACCOUTN FOR AN EXTRA 150.00 BUCKS AFTER i HAD ALREADY PAID THEM. WHAT WAS DUE. THERE IS NO SUCH THING AS A INTEREST RATE ON A PAYDAY LOAN.

I have recently had the pleasure of speaking with someone who works for the law firm paul kuperstein and associates. He has threatened me with taking me to court, not only that he has said he is gonna freeze all my accounts, investigate me blah blah blah, he got very angry when I had no reaction but yes yes yes and... After reading this site, Im curious if the fdcpa regulations are the same in canada? He left another message stating I would be served at work by the local authorities, and I was being charged with fraud, and sued for my actions, which will affect my credit ratings etc. What rights do I have??? Should I be worried?

I have recently had the pleasure of speaking with someone who works for the law firm paul kuperstein and associates. He has threatened me with taking me to court, not only that he has said he is gonna freeze all my accounts, investigate me blah blah blah, he got very angry when I had no reaction but yes yes yes and... After reading this site, Im curious if the fdcpa regulations are the same in canada? He left another message stating I would be served at work by the local authorities, and I was being charged with fraud, and sued for my actions, which will affect my credit ratings etc. What rights do I have??? Should I be worried?

I would not be worried.

Was this collection on a payday loan? If so which company?
Are you in Canada or the US?

They sure love to throw threats around.

No it wasn't on a payday loan, another credit issue, I am in Canada. Wondering what I can do, or should do? Do you think they are actually gonna go through with this?

No it wasn't on a payday loan, another credit issue, I am in Canada. Wondering what I can do, or should do? Do you think they are actually gonna go through with this?

What kind of credit? I would assume that you have a free legal services agency in Canada similar to her in the US. You may want to speak with them.

What type of debt is this and who is the Original Creditor?

Some civil actions can still affect you even if you are in Canada. I am guessing your questions are for the Debt and Collection forum not the PayDay Loan Help forum. Try posting a new thread there for more help.

i live in PA and have an unsecured loan for 10000,03 minus the interest. I have been unable to make payments since June and they sued me on July 21 for $8,000.00. I have made 10 payments totaling $3,286,15 so I'm not sure how they arrive at this figure. Any way before they served me with papers they threatened my with a judgement and a sherriff's sale. Since this is unsecured I suggested to them they could'nt sell my house at sheriff's sale but they said they could have items tagged for sale when they win their judgement. Does any one know what they can take and how much? Is it even possible for them to do so if they put a lien on our house? I should not that I tried to work with them before I could'nt pay but they flot out turned me down and on Saturday the 25th I told them I would pay them a small amount till I could pay more and they again turned me down. Any help anyone could give me would be greatly appreciated.

The amount should have been broken down and explained when you were before the judge. I hate to be the bearer of bad news, but once they received the judgment, they took control of the collections. You had/have an agreed upon payment schedule. If you stick to it, all will be good. If THEY agree to alter it, all will be good. If you default, they have the legal system behind them and many options to collect.

I would get in touch with them and get back on your plan immediately!

Can default judgement be settled for less?

I live in Ohio and have 2 loans - one to cashland for $460.00 and one to checksmart for $460.00. I can see that this is not as bad as most on here but I need out of this situation. Can anyone give me some advise please? Do i go to my bank and get the ach hold put on it. Do i see if the bank can open another account for me and use it for my everyday living expenses and then just let things stop on the other account if possible. Would it be wise to call both places and say hey next week I can't pay any of this. I know they will say nothing can be done on there end until the money can't be collected from me. Help please?

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Are these storefront loans?Quote:

I am being sued by Cashland for $587. I have 28 days to answer this civil summons or a judgement will be placed against me. Any advice on how to avoid this happening, other than paying this loan in full? I don't have the money in full, and kinda doubt they will accept payments at this point. Cashland didn't mess around, I only took out this loan a few months ago, and they barely tried to contact me at all, they only called my employer, verified my employment, and bam, I'm being sued. Also, how much of my paycheck can they take if they are granted wage garnishment? Should I go to court when and if this goes thru?

What I see has happened is that you have habituated fear for a long time. When we think and feel a certain way for a while it takes time to change your way of thinking. You can not go into situations where there is an overwhelming amount of people to socialize with. It seems you have cut yourself short on your good qualities and do not believe in yourself. You need to focus on everything good in your day, down to the sun shining on your face. As far as having nothing to talk about, it is because you have no confidence in yourself. Before you can create good relationships you have to first love yourself and feel sure of what you have to say. Search online on ehow.com. Look up how to feel self confident, how to feel peace, how to.... feel whatever you are seeking. But to change what is happening on the outside you must first change YOU on the INSIDE! I can relate to how you are feeling.