Can anyone comment on this? I've got a few old payday loans out there, and I just got a new type of collections call just this morning. I've gotten the "we have a court case against your SSN" and similar calls before, but this morning, the message was from a number in my state, with Teresa Martin (I think that's the name she gave) saying that there's a file with my name and social security number, and she will "be in my area" today and if she can't reach me she'll be coming by my residence and then workplace with papers for me to sign.

Need some input. Loan with USA cash express paid in full over paid by close to 500. They are illegal in NJ, account is closed. Now what? I have already received that there is a problem with my checking account emails from Karen Tim's and Tim Atkins and received a phone call yesterday from someone wanting to make me a special deal. How long before it goes to a collection agency??? I have filed all complaints but unsure what to expect or do now. This is by far the worst I have ever had to deal with.

I live in the state of TX. I defaulted about a month ago on a store front payday loan with Cash Biz aka Cash Zone. I owed $287. I was overwhelmed with about 13 payday loans, I no longer had a paycheck. I wasn't paying mortgage or car notes. So I just stopped paying the all. I started working an payment arrangements with some little by little. Today, I get a summons in the mail from my county court. I called and it was legit. Cash Biz filed criminal charges on my for issuance of a bad check.

If I am in chexsystems for Chase bank and settle for 75% of the amount with the CA, will that show that I didn't pay the full amount in chexsystems? Will that affect my chexsystems report?

Back in 2008, at the insistence of my husband, I took out a $500 payday loan from Advance America in New Hampshire. I gave my husband the $500 to replay it the following week. He said he did. We divorced later that same year, with me still believing the payday loan was satisfied. In the years since, I've relocated to the state of Maine. I don't deal with payday loans. That was the first and last time. Our divorce was settled and all's been good.

hi all it's been a while the latest: end of 2007 i took out a loan of 300.00 their fee 90.00 equals 390.00 i paid over the course of4 months 525.00 i over paid them 135.00 4 years later i get a call fromthe district restitution services stating i owe 2700.00 in fees as vc lending has been debiting a checking account which i closed and told them of my situation and my intention. i wished i had gotten in writing that the loan would e forgiven however now they knew my account was closed and yet they still try to get money from me. how legit is this place D R S?

Hello all, I posted on some time back and using that helpful info I've been able to work on some of my debt. Since being able to get back to work I have been able to settle with three CA's thus far by putting so much back a check. However, it seems that now when I have the possibility of paying the CA's now are demanding even more (jumping $200 - $400 in their settlement offers) from just two months ago.

I took out a $400 payday loan with impact cash about 4 years ago around the same time I took out a few others. I was in a bad way and ignorant of how stupid pay day loans were. The companies drained my bank account when the money came due and I thought that was that.... Wrong... Every 3 months for the past year or so I've been getting phone calls saying that I'm being taken to court for check fraud. They NEVER call me first and ALWAYS call my mother-in-law, who then freaks out and calls me. It seems the calls are always coming from Buffalo, NY.

Hi good people, was wanting your advice on something if you would be so kind...got a letter about a month ago from Capital Mgmt Svcs, on behalf of DB Servicing, original creditor was Discover Card...amount $ 9,940* I send debt validation letter and communicate only in writing via mail, no calls. *Ffwd to month later, still no validation but get an offer to settle for 20%; $1983 within 10 days, or call/write to make arrangements blah blah. *Heres the deal also...I have proof of delivery of my letter and ret recpt. *They have called 7 times after receipt and also have not validated debt.

I'm going to try to get to the point and then go more into my larger history in case anyone is interested. I fear I'm running out of options to prevent myself from literally running out of money due to paying all my debt payments on time. I can't assume my income is going to increase in the short-term and don't really have any significant room for further cutting of my budget. So I'm about to waive the white flag and say goodbye to my credit rating in order to save my sanity. Bankruptcy I believe is not an option (read below) based on my conversation with a bankruptcy attorney.