I have student loans from the year of 1999. Shouldn't those already be removed since its past 7-10 year period and there has NOT been ANY actions concerning them. Also, now they are garnishing my taxes for repayment. Help???

I have 5 payday loans right now, I live in Texas and made bad decisions, but I still have them... I need to know what I need to do to make them go away.. paydayone.com I owe 860.75 Cash Central.com I owe 627.18 Cashnetusa.com I owe 439.18 247 green street.com I owe 282.86 TheCashStore Storefront I owe 325. Help...

I am drowning from four loans, and would like to know if they are legal/licensed in Texas: Advance America (in store) - 1000 Advance America (online) - 1800 ChecknGo (online) - 1500 VIPLoanShop (Online) - 400 Please help.

I borrowed from that back in July or August, I sent a letter with NC law that they were illegal and revoking ACH, I had already closed my account. Didn't hear a thing from them. I paid above and beyond what I owed. I don't remember what it was now, and I don't have access to my closed account. Anyway, they contacted me last week via phone, saying I owed them money and I could pay them out at 50%, not sure how much that would be according to them, but no way am I giving them another cent.

I just learned that my payday lender has a cease and desist court order in my state. The order was issued four weeks after my loan was established with the company. The lending company is Everest Cash Advance and my state is California. The loan was on 3/28 for 750.00 and I have paid on that loan to date $3380. How should I go about presenting a request for a refund from this company. I still am paying down on this loan. The court order is ordering the business to disgorge any profits from loans. Should I ask for a refund of $2630?

I've received two collection letters from National Credit Adjusters. The first is for Sandpoint Capital. I got a payday loan from them back in Feburary 2011. The original amount was $300. I made repeated request via phone and faxes which I have requesting to pay the loan in full on several occasions. They repeatedly ignored my request and continued to pull out the refinance fee. I ended up paying them at total of $720 in refinance fees. I finally blocked their debits from my checking account. I live in CA and they are not licensed to lend her.

Magnumcash advance and Mycashnow and Discountadvances.com Thanx all

Hi Everyone, I'm new here but have learned a ton by reading the forums so thank you! We got ourselves up to our eyeballs with cc debt (80k) mostly due to a medical emergency. My husband has a good job, I have a commission only job where my commission varies wildly from month to month. About 18 months ago I got a second pt job to help keep our heads above water. Well with my husband working 55 hours a week and me working 55 hours a week between my two jobs plus keeping up with our 4 kids - something had to give.

Hello, I am new to the forum as you can tell, but have been reading it for awhile. I am finally ready to take the first step and try to end these online payday loans. I was going to go with a debt consolidation company, but just am leery sending my photo id, ss# and account number to someone out of state. I see alot of people sending letters to the loan companies and think this may work better.

First, I am a 21 year old college student. I understand I shouldn't have taken out payday loans, but what's done is done and I am asking for advice. I have been with all three companies since 2009 and have paid outrageous interest charges; I currently have out three payday loans: Paydaymaxx.com United Cash Loans One Click Cash All of these loans are operating illegally in the State of Indiana. I will be unable to able to pay them on my next payday. I do not intend to default on these loans, I just can't pay them at this time.