Received a call from Kelly with William Sokol's office. Informed me that I was turned over to their office by National Credit Adjusters working for SMS. "Attorney wants to get my side of the story, before this goes any further." They would like for me to settle $360 for a $480 debt, this loan has already been overpaid..... What should I do?

A1 Premium Budget (Cash in a Wink) has given me 24hrs to call and speak with a "litigation specialist" or my account will be marked as non-voluntary and refusal to pay and resulting in further action. I've filed complaints with the FTC and AG. I've paid them almost twice what I originally borrowed; not sure what else to do. Anybody else out there dealt with this? How was your outcome? Thanks for any input!

Santa will be coming with a bag full of gifts on Christmas. Do you want any special financial gift from Santa on this Christmas?

I got my bank account garnished they took all the money out of it, and now going after my wages. I didn't know anything was going on since I don't have any credit cards and was never served papers. I live in Oregon and JM LLC is who did the garnish on behalf of Capital One bank the information is mine as far as SSN and DOB but I didn't open a card and I never got served a summons to appear in court. They say that they mailed it once regular mail and then supposedly posted it on my home. I never saw this posting and I would think I would have noticed.

My girlfriend co-signed a loan with her soon to be ex-husband for a car because his credit was not good enough at the time to buy it on his own. Anyways they got screwed on the interest rate at 25.99% and the car isn't worth what is owed. He stuck her with the car when the separated and now she realizes she cant afford the car on her own and he isn't doing anything to help. She has thought of having the car taken back to wash her hands of it. Is this a good idea?

So these people called me about two twwks ago threatening to come to my job about a payday loan they scared me into making a payment arrangement on a payday loan thru cashnet usa.

Hi, I posted a few weeks ago regarding this company and how they bought out my old debt. I sent them a DV letter and sent a complaint to my Attorney General about them harassing me at work (even though I sent a cease and desist letter) and calling after 9pm on the weekends. Well last night I received a letter from Portfolio Recovery, and it stated this: "Dear (my name), Portfolio Recovery Associates, LLC ("PRA") has concluded its investigation of your dispute and is closing your account.

I wrote the letter per this website to National Cash Lenders after finding out they are not licensed in Tennessee and are illegal. This was the response. What or how do I respond? Thank you!! I am unhappy to hear that you feel our service to you in your time of need was unfruitful. We strive everyday to do a great job in servicing our customers so that they will be able to make ends meet when they feel they have no hope. I understand that you feel this loan you have agreed and accepted the terms and conditions to is Illegal.

On 09/16/11, I received a collection letter from Northland Group regarding a debt. I sent the debt validation letter within the 30 day window (signature delivery confirmation). Approximately 2 weeks after I sent the letter, I received another collection letter, but it was from Resurgent Capital Services and it stated that they were trying to collect on this debt with the standard "You have 30 days to dispute." Included in their letter was a page with a paragraph labeled "Debt Validation" that listed my information and the account name/number.

Ameriloan and Star Cash - who have almost identical phone numbers- call my place of employment EVERY DAY. I have sent cease & desist letters by email, regular mail and certified mail. I have told them over the phone to stop calling my place of employment. (they are so rude its ridiculous) I have filed complaints with FTC, MS Banking/Consumer Finance, and recently the MS Attorney General's office. The AG cc'd me on a letter sent to them with a copy of my complaint-this was 2 weeks ago. They continue to call - any suggestions?? ps- Star Cash owes me $225. Ameriloan owes me $30.