i think i screwed up!!!

Identity-crisis...Didn't you just have a $4000 loan shark problem not too long ago?
How did it get to $6000?

Hang in there! I'm praying for you. Take a step back. Things are never as bad as they seem. We all go through struggles for a reason. You'll come out of this a better person. Keep trying.

ID, I am very sorry to say, please don't take my words in other way. I want to make you see things in a better way. The problem is that you lack financial planning and this is the reason you are not able to manage your money. You are doing the same mistake of borrowing money from others to pay back the present loans. You might fall in the same situation in the future as you are now. Try to gather that much money you can pay back. Nobody will lend you unless you are able to return them back in the right time. Look around yourself for the sources of income and try to reduce the expenses to the minimum. If you can control your expenses, you will be able to do some savings for emergencies. The most important thing is that you need a second job so that you can roll over. Please don't take my words in other way. I would have taken this advice if I had been in your shoes and improve my situation. Proper management is a must!

yeah i forgot to tell and didn't get it recorded or anything but the guy i talked his name was prosecutor hagan said he was sending the sherriff out to get my grandfather for fraud if i didn't pay it so i paid it now i guess i'll be with out a refund. oh well.

yeah i have screwed up my grandpa found out i was taking his money. so now i have to pay him back weekly and hope he don't have me arrested.

Identity Crisis - I too hurt my family by my money woes, but the thing that hurts the most is the fact that I hurt them. I can handle things when it's happening to me, but I hurt them. My family is very supportive of me, and they showed me that their love is unconditional. Where you said you didn't want to get up some mornings, I've been there. I think that everyone has. You sound like you are in such despair. Everyone in this forum knows your pain and feelings, but you have to start climbing upward now instead of going backwards. Borrowing more money to pay back money you owe will not help. Just digs you in deeper.

Identity_crisis,
The pdls can't have you arrested, but your Grandfather could. You had to have known it was only a matter of time before he found out.. It's time for you to sit him down and have a talk with him. You NEED to level with him and tell him the entire truth. He will be very angry, but he may help you more than you expect. Plus, you will feel a lot better and be able to handle things a lot easier if you have this out.
You CAN work this out. I wish you the best, let us know what happens.

Finsfan is right. Talk to your grandfather. It will get the load off of your shoulders. The burden of carrying around that much guilt, is going to bring you down and make things worse. Get it all out on the table.

This is great advice they have given you. You need to level with your grandfather and whoever else can help you. Don't let the pdl's make idle threats to you and don't be scared of them. Stand up for yourself. Take a deep breathe and take care of yourself!

Next time a PDL says they will have you or your grandfather arrested, just say, "Yeah, ok. I've been thinking about taking a vacation...Does the jail have an indoor pool?" THEY CAN NOT ARREST YOU! Period.

Talk to your grandfather...I bet he'll surprise you. And PAY HIM BACK...Set up payments with him..He'll be easier to work with than the PDLs, or taking another loan right? And the best thing about it, is you'll be getting out of the mess...

And as has been said, a second job may help you out...Every little bit helps. You don't have to do it for long, just enough to get ahead...And the busier you are, the less money you can spend, right? :)

I am totally confused. Cannot help because you need to elaborate further. You are annonymous here so feel free to post more information ( leaving peoples names off )

Who is this 6,000 owed to? A person? A gangster? Someone who you believe will do you bodily harm if you don't pay?

How much do you owe in PDL's?

One word of advice - be honest. Lying to your family is the worst thing you can do. I am sure your Grandfather loves you more than money but if he can's trust or believe you then that can do the most harm.

ok heres the deal i still have pdls my grandpa found i took his money so now im outta his house and moved in with my boyfriend and my grandpa will let me pay him a 100.00 a week i have agreement with the paydayloan companies the one i've called but since i moved out my grandpa's house i no longer have internet access unless i come to the public library. so i'll be around every now and then.

identity_crisis,
I'm glad that you were able to work out a deal with your Grandpa and the pdls.Things will start to turn around for you..We will definitely miss you being around.

my boyfriend is going to be doing an out of town job making about 1200 or more a week so i'll get of the pdls faster cause he wants to help me thank god. and my grandpa knocked off about 1200 from what i owe him and so now im down to about 6200 to pay him back and my grandpa will i slettig me pay 100.00 week which is good and i am taking someone's advice from another thread and getting a second job i just hope i can stand up to it but i wont have no one at home when my boyfriend leaves town. so a 2nd job will be perfect keep me busy and plus where i will be working if they ahire i can get old pizza take him wont have to worry about cooking or buying a lotta of groceries. rihgt now just have to worry about the rent and gas to get back and forth til he goes out of town.

okay---so you have somewhat of a plan. Be sure to stick with the plan to pay your grandpa back---he will remember that you were faithful in doing so. Good Luck!

I'm glad your are starting to get things sorted out, and that your grandpa is willing to work with you to a degree to help in that regard. I was a little worried about you . The community is always here to support, and share advice and experiences. Sometimes we don't like what we hear, but thats usually because we hear what we need to hear and not what we want to.

You are f***ed!!! You will never get out of this mess because you go from one shit pile to another and lies arent helping you...you should be honest with everyone and chances are you work in a diner or some low wage job i wouldnt worry about any legal action so tak it easy honey..its wrong to steal from anyone let alone family after it sounds like he was trying to help before you burn all your bridges repent woman...god did i say that im so not religious...its best to let your family know youll be suprised what they can do if you owe creditors send dispute letters and cease communication letters to ward them off..if you owe a loan shark than girl you need a new do and bone the**** out of town!!

[color=Red]****Adult term removed - Jason[/color]

This person claims to be a collector. If he is, he has YOUR SSN, ADDRESS, PHONE NUMBER, FULL NAME, EMPLOYER ect available to him - no questions asked.

Ever wonder how credit cards are issued to other people in your name when you never lost your wallet??? Cell phones youve never heard of???

Ever wonder how you got a bill on your credit report for an item youve never heard of and the ONLY company who stands to gain anything finacially is the company and collector who put it there in the first place?

Its not rocket science.

Yes i am a collector....this woman is no victim of fraud...silly goose...she is bassically a thief...and her immature behavior has got her in some serious trouble...i am shocked at your response...have you read her entries?? This woman is nutz..lieng to family who is reaching out to her..stilling money from her grandfather???Damn

Eh, I guess I see your point, but Ive read your other posts. Maybe she isnt a victim, but MANY of us are.

Well you have me their some are but typically we are given your info from the client...seriously if your in collections how easy do you think it would be to get accs in your name most dbts owe not one bill but several and now days everyone has wrecked credit...their is the occasional relative tht is visiting for a week that got acces to your info if thats what your reffering to but for the most part is tactics by the people who cant grip reality that they have wracked up some serious dbt

Burn the debetors, not honest people who pay their bills.

Let me ask you why are you on here have you bee frauded?

Yup! Twice! By a collection agency!

Doubt it highly doubt it ur honestly an idiot and you should pay your bills....seriously seek help

If I get frauded out by a collection agency again, Ill seek help - from my sister... just finished law school. Thank you for your advise! ;)

im sure she would just advise you to pay your bill...while thinking how she could be raised with such an irresponsible person

Why do you feel you need to come on here and call people names and swear at them?? We don't want people who are negative and slam others on here. Go away and find somewhere else to play, you don't belong here. The people on this forum want to help others not hurt them as you seem to want to.

your a dumbass have you read the post on here...lol....oh i think im exactly what you need and if your dad had any clue he would of wipped your ass in shape in the first place and you wouldnt be so stupid....im here to stay somone need to give you a clue cause you obviously dont get it...the people her dont have problems they are looking for a way to get out of their responsibilitys

MR. Collector

There are currently over 50 items on my credit report that are in collections that do not belong to me. Experian started it all. I was able to get them to remove it. However now TU and EQU are reporting all of this crap. My credit report states that I have been evicted from a apartment that I have never lived at, a student loan for a school that I have never went to, and a car repossessed that I have never even seen. Get the point, because I could go on and on. my credit report has somehow been merged with a woman who uses my name, her own, and one other last name. There are addresses on my report that I have never lived at, I have aliases, about 9 different soc numbers. And this chic doesn't seem to like the word no because my credit gets pulled constantly and my score has dropped over 150 points in the last year. I receive mail daily for her, even though I have called these CA's and kindly explained to them that they have the wrong girl. I got served a couple of weeks ago for one of this chic's bills.

My point....mistakes happen.

I had to change my phone number because I was getting at lest 50 calls a day from CA's. I need to hire an attorney to fix this and I cannot afford one. I can't finance a pot to piss in right now, and I am not a happy camper. I worked hard to build my credit up so I could buy my home. Now I will have to wait for this mess to clear up to refi.

If you have any suggestions on what can improve my situation I would greatly appreciate it.

You see I think you probably have a lot of positive things to give our community if you would stop judging people. (I am in no way condoning stealing from loved one's btw, I am referring to your general negativity over the last couple of days.)

my first thought to respond to your post pollyansy was to ask if the other alies were your maiden name and a name from another marriage...if you dont know where i was going with that i was accusing you of your bad credit...however towards the end of your response i see some snsitivity and i can be of help afterall for all intent and purposes i work for the man...so i will refrain from accusing you of anything because i would like to take this time to see how i can be of some help...in your case this does happen identity theft is serious and does exist...and the sad thing is that their really is no answer or for you my friend probably no way out...but dont blame collectors think of it this way...if people told you all day they were frauded and you know damn sure that its not only because last time you talked to them they were going to pay but now that its time to shell out its become some sort of fraud...we recieve these accs from our client with all contact ad account info they have no way of knowing its fraud as you said is on your credit report tied to your social and tha adresses match...theirs soo many crooked people out their that it affects honest people like you soo dont take what i say as a personal attack...its not im giving answers from my point of view...listening to bullshit excusses and having irresponsible people hang up or ....(this one is for anthony) blast me with faxes....really not everyone is a fraud case their is the occasional case and does happen and im sorry to hear whats happen to you but really you should blame all the **** in here because if your half as intelligent as i think you are to understand that half these people need to get a grip and stop being so irresponsible if youve read half the post you should be able to see right through them

[color=Red]****Adult term removed - Jason[/color]

Mr Collector,

While I can appreciate where you are coming from, it really seems that the original poster was trying to make amends to her family and was honestly trying to get things taken care of. I know I really appreciate the help,support and advice I have rec'd from people on this website, with no judgement passed on how much debt I am in. For the most part we all have similar issues and experiences. I just ask that you try to be more considerate in future postings. Remember, most of us are not the people you are having to deal with on a daily basis that are rude to you. We do appreciate any positive advice you can give us that will help all of us be more responsible financially.

First of all I have never been married, and I have always been honest in using my real name (the only one I have ever had :D )and soc when applying for credit.

Thank you for your sincerity.

I am not going to lie and say that my credit was perfect before...my interest rate on my mortgage shows that it wasn't lol! I had some blemishes, but now I can no longer distinguish what is mine and what isn't on my credit as far as medical bills and such and the things that are obviously mine.

My confusion in this situation lies in when Experian fixed it, they told me that this was not identity theft, but rather a computer glitch which merged my report with this other woman. I do not see how this is possible. She clearly uses my name as well as her other names to apply for credit, but Experian told me that she is not using my soc. But my credit report has a bunch of different soc #'s on it. I was so happy when Experian removed everything, but when I found in the meantime the other two had reported everything and more, I was crushed. It is a hopeless situation.

I am so disturbed that I have to go into court and prove that this huge medical bill is not mine.

I know that there are reputable Ca's out there. Actually, the notoriously evil Asset Acceptance was very courteous on the phone in understanding my situation, although they still send mail to my house. Do you know how confusing it is to get the mail, and not know if this mail is for me or someone else? Or when a process server comes to the door and asks for me...what do I say? I am not me, but I am not the one you are looking for!

My issues are with those Ca's who are not reputable. I assume that you work for a good organization who follows the law, and certainly you recognize that those bad one's give the good guys a bad name. No one should be intimidated or threatened for not paying a bill. When I was about 20 I took an ambulance ride with no insurance. I had some health problems which kept me out of college and off mom and dad's inurance. I went back to school eventually. I had a CA call me one night at my mom and dad's trying to collect. At the time I made about 6 bucks an hour in a coffee shop, and I was in college full time. I explained this to the lady, and I told her that I could pay 20 dollars every two weeks on the bill. She told me that was not enough and that I should drop out of school and get a full time job so that I could pay my bills. I said, 'so I can make 6 bucks an hour for the rest of my life?' and then I hung up on her. I could not believe that anyone could think that a 1k ambulance bill was more important than an education. Another example, I had a student loan many many moons ago, that missed a consolidation. I didn't know it existed, thus I did not consolidate it. I found out about it on a website somewhere and it said default. I called around to everyone I could think of to find out who owned the loan. No luck. Well it turns out GC Services owned it. They had been calling me and leaving messages telling me that I had won something and I needed to call and redeem my prize, and they were doing this for months. I am not stupid so I never called the number back. One day I was actually at home when they called. I could not believe that these jokers had lied like that previously. I told them that if they would have been honest about who they were and why they were calling this loan would have been paid and or consolidated!

I do see through a lot of people here.

I help people who have taken out illegal internet payday loans and who have paid for the loan 2 or 3 times over. I understand that people signed a contract, but I also understand that they did this in a desperate and uninformed state of mind. If they had realized that they were going to end up paying $1,500.00 for a $200.00 loan, I don't think they would have. If they realized that there state has lending laws to protect them which limit interest rates and require lenders to be licensed, I think they would have sought out reputable companies.

I wholeheartedly believe that many of these internet payday lending operations are money laundering scams, and some of them could be funding terrorism. Rio Resources went so far as to have a phoney registered agent in their New Mexico corporation, and their address is a phoney address in the Canary Islands. They run from state to state incorporating and screwing people royally. These actions are far more immoral than someone signing a contract and not obliging it completely, in my mind. I ask myself everyday as I see more and more desperate people on this board, where is all of this money going and who is at the top of all of this?

"Quote:

Collector #1 if you are sincere in trying to help people on here then why don't you sign up and join us. We have others on here who are or were collectors and we do value the advice we are given. I, for one, have a couple of accounts in collection due to my own stupidity and circumstances and have had good experiences with the collection agencies because I communicate with them and stick to the arrangements I've previously made. So please join us if you would like to help, we welcome anyone who wants to help, that's what we're all here for.

Little collector guy is getting his feathers all ruffled isn't he?????

Seriously though, he is just doing his job while he is at work, and it sounds like he's bringing it home with him. This person gets tired of the excuses and crap he listens to all day long. I can totally understand that. I get tired of hearing people tell me lies all day long and the crap that is served to me daily. There are a lot of dishonest people in this world, but my thinking is, is we are willing to face these pdl situations head on, how can we possibly be thought of as dishonest or committing fraud?

Dont be offended by other collectors illegal activity. If you are a collector with good intentions and abide by the laws, dont worry - you are not the type in question and you know you are a good person trying to help both parties.

Dont be offended by our harsh words if your agency is honest.

COLLECTOR #1

Common!! Is this the tone you use in your collections? If it is, you are a living proof of the most serious fdcpa violations. If you are so rude in writing, how will you sound when some debtor hears you!! Know the fact, I was never pointing to you or your company in the first post. If you involve yourself, this makes me believe, you must be working for them. Preserve your sanity and go away from here. If you want to stay here and do some good work, use some decent language. Take out an hour from your day and do some English literature classes. Do the class for an hour and then post here. We will see if you have any chance of improvement.

Yeah Collector..... you prpbably DO have some VERY valuable information to help those in need.

YOU may not harrass people or try to collect on invalid bills but MANY collectors do and you know it.

You are very usefull to the people here...if you want to be.

Oh wow..There are too many doggone guests posting here..I lost the theme of this thread a long time ago, I don't know who the heck is who!! :roll:

well i decided not to go on the job because its just seasonal work and if i lost my permentat job i couldn't pay bills when the mone ran out. so im still working for 8.10 hr which stinks cause i'm still broke by the time i pay some on the rent, grandpa, and buy food. so keep me in ur thoughts that i can find a second job. i need it for the money but also need to know if i could handle it.

identity crisis----Do you live near a mall? If so, usualy about September is when stores will start hiring just seasonal workers, maybe you can pick up something that way? How about a temp agency?

Hey Everyone, I cant believe any one would take this kind of treatment from Collector 1. You should have your filthy mouth zipped. People on here are asking for advice not your abuse. You do not have the right to talk to a person like that. Is this how you do your collecting? If so I hope you lose your job.This site is very useful in dealing with people like you, only we go by the LAW>>>>> KYSIDE38

Hey identity crisis...

I'm working two jobs too to make ends meet.

Have you thought about maybe working at a hotel as a desk clerk, or possibly a cashier somewhere? I work as a desk clerk a couple nights a week (second job) and it pays pretty decent for a seriously cake job.

Or maybe you could do what my friend/roommate does. She's in customer service for a furniture company and it pays almost $12/hr.

Just some suggestions on jobs that sometimes people don't think of. I know exactly how it feels to be broke after all the essentials are paid. After rent, car insurance (med insurance comes out of my paycheck), bills, groceries, gas money, and CC/PDL payment I'm lucky if I have any extra spending money.

I am glad things are working out for you. When you are in the middle of it things usually are not as hopeless as they seem.

ID-Crisis..

When I was in college, and even after for part-time work I did cleaning jobs. Office cleaning is some of the easiest, non-stressful work to do..Usually 3-4 hours a night/day and the pay is decent. And no one breathing down your neck..You just do your work and go home.

I've been thinking of doing it again part-time myself, just for the fun of it, and to save some extra money.

How about newspaper delivery? Don't know if you have a car, but that might bring a little cash in, and usually just in the mornings to free up some time in the afternoon for a second job.
I worked my way through school waiting tables and bartending...if you've got the personality, you can clean up! I did!

[color=red]Same post in another thread - Mike[/color]

http://www.debtconsolidationcare.com/forums/about9162-1.html

Oh good. you're going to go from thread to thread and post your doggone post over and over. Nice..That's really cool! We've seen this before!

hey all thanks for the advice but haven't been here to recieve til today but my now husband who was boyfriend at time of post if working we've moved several times i still have yet to get a job but he makes the money which is good i had the money to pay off some of my loans but after my baby died i had to use that money on his funeral. then lost my loan peoples the companies i owe and they haven't emailed or called or sent postal mail my way so i can't remember who all i owe i still owe my grandpa but he can wait a while longer. i made a post similiar to this question already so any help will be excellent, how do i find out who i owe if they dont send me email or postal mail remidners