I recently graduated from college and I am making $45,000/year right now. After taxes I take home $1,400 every other week. My problem is that I have way too much debt and I am not even braking even after paying the minimums and paying rent/food. Here is a brief list of my debt. The list is as follows: Debtor / Balance / Minimum payment GeMoney / 1500 / 60 GeMoney / 645 / 25 GeMoney / 730 / 40 GeMoney / 380 / 25 CapitalOne / 590 / 20 Chase / 925 / 32 Chase / 475 / 25 Chase / 1470 / 36 Lowes / 115 / 25 HSBC / 775 / 25 Dillards / 3900 / 90 HSBC / 1200 / 90 That is only my CC Debt.

Hello everyone, I'm doing a report on identity theft & wondering if you guys can take the time to answer the questions below.

Has anyone been successful with American Web Loan? I have sent emails and only got a response to call there customer service number...

I've closed my checking so the withdrawals have stopped finally. Now, reviewing my bank statements I've added the numbers and it looks like I paid $2700 for loans totalling about $1100. I know that I've paid the princepal back on all of the loans just wondering if I can hire a lawyer to get the $1600 back?

I posted about a month ago on an issue where I was being taken to small claims court for a credit card debt. I'm still involved in the process with that collector, but seems once one comes out all the sharks decide to circle. I had 3 credit cards that I had to stop paying on when my business went down hill about 2.5 years ago. I've now been contacted by two other collection agencies for my other two credit card debts. The 1st is being collected by Northland Group Inc on behalf of Chase bank. I sent a DV letter by certified mail on Oct 12th which they accepted on Oct 17th.

I am supposed to have court tomorrow and I received a letter from the attorney sueing me that they have filed a Order of non-suit without prejudice. From what I have found, this means the case will be dismissed and can be filed again later? Does anyone know if it would be beneficial or possible to ask that it be dismissed with prejudice so they cant file again? The case is only about 2 years old and SOL is 6 years. Nevertheless, it looks like I have been granted a reprieve. :D

Ok I found this to be odd, I received a private message from someone named waveslider, aka Mike and he claimed to be from NJ and he said he posted a few days ago regarding payday loans, and needing help. The funny thing about the message was I went to look for him to review his profile and he didn't exist.

Hi, I went to my check bank account online on friday oct. 28, 2011, and my account said $0.00, All of my accounts said $0.00. I immediatley called the bank expecting to hear that my account was hacked. But the woman told me i had a levy placed on my account! I asked by whom! She said I will give you a number you can call. I called and the woman said that the irs had placed a levy on my bank accounts. I said how is this possible I don't owe any money, I haven't made enough money to file my taxes in over 20 years!

i would love to close my account and pay these guys off my way, in my own time, but i have 6 payday loans out and if i did that, they would call my family, work and friends like crazy, constantly all day every day. i cant have that at all. we all are already getting constant calls from scam artists who i dont even owe money too. this is the only thing keeping me from closing my account and taking back my life again.

I have a few payday loans with different companies that I would like to find out if they are illegal in Michigan. The names are as follows: SSM GROUP-RIVER ELK SERVICES, CHECK N GO, WESTERN SKY-CASHCALL, PRESTIGE MARKETING GROUP-VINCE ENTERPRISES, PAYMENT DIRECT ONLINE, STAR CASH PROCESSING, AND PQC-PAYDAY QUICK CASH. They were all obtained online and the only one that has not been refinanced is the loan with Check n Go. These loans are KILLING me financially and am trying to do the responsible thing and pay them off but I cannot keep up. I need to start fresh.