Hello experts! I have a few questions. I'll explain my exact situation first. Last year, I settled one student loan, and consolidated my remaining loans, and am currently paying that off. I've never missed a payment, and have actually been making double payments, so that is good to go! I pulled my credit reports and saw that there were some old medical bills on there. My credit scores are 583 Equifax, 560 TransUnion, and 589 Experian. I have #1 for the amount of $255, that is being handled by CREDITBURCEN in Nevada.

I have had 4 payday loans from 247 greenstreet. I just found your website and while reading many of the threads, I was able to come across the chart for payday loan laws in various states. However, I cannot locate how to determine if 247 greenstreet is able to do business with people in the state of Indiana. If they are, what are the stipulations? Thanks to all!!

So I unknowingly applied for a 200$ loan and received it today from united cash loans. By unknowingly I didn't look up their track record before doing this. Am I going to get stuck into paying them a crazy amount? I feel like using it and still paying them the 260$ owed but documenting my payments to them with picture and everything if they try and say I have not paid, also closing my bank account.

Hey all. I need some help here. You guys helped me in 2009-2010 to get through my Debt settlement nightmare. Now I'm still dealing with taxes for 2010. My lawyer referred me to someone to help (not a CPA) to do my taxes. The IRS looks down on someone using a CPA as I was told. Anyway she is telling me that income from my 1099C's cannot be excluded from my taxable income because there wasn't a bankruptcy (which I didn't claim) and that I can't claim insolvency (which I have done on paper.

Haven't been here a while so not sure if this is the way to start a new thread... I completed short sale with second loan at BofA - balance of 2nd was $38K which they accepted $5K to settle at closing ($3K from 1st and $2K from me). This happened in January 2011. My credit report from all 3 agencies still report "charged off" with balance of $33K. I have sent disputes to all of the credit bureaus and each time BofA continues to verify the balance as correct - now they are not allowing me to send new disputes.

ConcernedFather: My daughter has been harassed now for several years due to being co-signer for a student loan and allowing her then husband to use her credit card for his degree while they were married.

Hello, I live in Ohio. I received a call from Thomas Brown and Associates about a payday loan from 2007 or 08. They wouldn't send me a letter validating (they wanted to email) but nonetheless baited me into setting up a payment arrangement. Now, I just broke that arrangement because I thought maybe something was fishy about the amount they wanted. The man, Tony, got mad and said he gonna garnish my wages. What happens next? In a related case I got a call from a process server saying they needed to verify my address and were gonna find me with a sheriff accompanying them? What does this mean?

I received a loan in the amount of $500 from Lakota Cash a few months ago and have paid a total of $417.50 toward the loan, to date. I found out that the loan was illegal, closed my checking account they had access to, sent them letters revoking the wage assignment and informing them that I know they are not licensed in California and my intention to just repay the remaining $82.50 only.

I am a 100% disabled veteran living in Kansas city who has fallen into the pdl trap. I have accounts with Plaingreen, CashnetUSA, OneClick, USFastcash, Advance America, Cash Central, Checksmart, Cashcall. I am getting to a point where I'm falling behind.....if I can no longer make my payments can these companies garnish my VA Disability, Social Security, and or my bank accounts?

Oh man, these companies are relentless and totally rude. I have been ignoring the phone calls on my cell phone and home phone, but someone from OneClick just called me at work. I got nasty and said that I don't appreciate calls at work. Guy was a total jerk and I ended up hanging up on him. I have overpaid on both loans with Ameriloan and Oneclick (as well as previous loans). I have send my letter numerous (18) times to both companies... Is there a light at the end of the tunnel? Thanks!