I just spoke to IC Systems, they are trying to collect on behalf of Target Visa. If I negotiate with them, they say they will have to go back to Target to see if they will accept my offer. Does this sound ok or is it risky to negotiate with someone other than the original creditor when it hasn't been sold off? As long as I have the agreement in writing is that good? Any advice?

I am being sued by JDB court is next week however I got a letter yesterday asking for a settlement offer prior to court. Since I am on SS and small pension also receiving food stamps how /should I reply to this they have a space for me to make an offer. please any suggestion would be appreciated as time is running out.

Im not saying your situations are good but i wish i had it the way some of you do. I got a letter from edd saying i was overpaid by $30,000 almost 4 years ago and now they want me to pay them $1,300 a month to pay them back!!!

A few weeks before Christmas I applied for a payday loan as things were really tight. I applied for $650.00 but was only approved for $250.00. I accepted and electronically signed the contract. One week later the money still wasn't in my bank account. I figured there was a problem as I live in a state where payday loans are illegal. I borrowed money from my boyfriend and forgot about the loan. I went out of town for Christmas and when I returned I checked my bank account. I received a deposit of $825.00 on the Friday before Christmas. A full 2 weeks after I had applied for a loan.

Hi! I had gotten myself into a mess with PDL last year, and thanks to this site realized that they are illegal in my state of Vermont. I sent out versions of the letters found on here including one from the Regulatory & Consumer Affairs Director for the State of Vermont Department of Banking, Insurance, Securities & Health Care Administration stating all of the various statutes and regulations regarding lending practices in my state. Most of the lenders provided me with a paid in full notice, and all that is left is Ameriloan, Spot on Loans (same company), and CashCall.

here are my three loans: plain green: $600 greatplains: $600 ameriloan: $150 i have emailed them a letter stating that their loans are illegal in my state of Florida and this was done in November 2011. I am 4 months late paying them already. I filed a complaint with the FOBR but he said they couldn't do anything, but said the loans were unenforcible and that if I didn't pay them back there was nothing they could do. Now, I noticed that my FICO score has dropped by over 40 points and I have been declined for a couple of credit cards.

[COLOR=#0d0d0d]I received this email:[/COLOR] [COLOR=#0d0d0d][FONT=Times New Roman][/FONT][/COLOR] [COLOR=#0d0d0d]I am attempting to contact you via phone and email in regards to a file that has been forwarded to our law office. Please make sure to take a few moments today to contact me so we may discuss your options. This is a very time sensitive matter that does need your attention. I am available Monday – Friday 9am – 5pm CST for your convenience.

Hi All, I am 22 years old working as an administrative assistant. My salary is about $2000 a month (after taxes) and I am currently paying $1500 in school loans. They are private, therefore I have the door slammed in my face everytime I reach out to Sallie Mae for assistance. I am not opposed to filing bankruptcy but believe that is not a possibility with all loans now protected. I really feel cornered and would love to work out a plan but again, nobody has been working with me here.

I received a phone call from 855-571-1747, a Mr. Marshall stated my file was sent over from Vandelier group whom I had obtain a loan and made fraudulent checks to. The loan I obtained from them was illegal in California and had advised that group I would be closing my bank account and tranasactions were no longer authorized. They continued trying to withdraw funds after I had stated to them the account was closed. Mr. Marshall said they are now sending my information over to the D.A's office. Any advise?

A woman just called my work phone from this number: 716-418-7044 At first she asked for my boss, but when she found out she was speaking to me she asked if I received a summons in the mail & signed for it. I haven't seen anything like that. She said she is representing cashjar.com, an unlicensed PDL lender in the state of IL. I went through this with cashjar.com direct a few months back and they stopped contacting me. How should I proceed with this lady?