I live in CA and would like to know out of the 4 pdl that I got though the internet which if any are illegal. I have pdls with-Cash Advance America, Triple Services,United Cash Loans and Loan shop agusta... Please help! Thanks K

I have a collection agency named Alliance phone number 877-360-4372 call me and tell me they where investigating me under bank fraud on a payday loan taken out from Rent-A-Center, that they would show up at my work and or my home and they where coming to get me and this is recorded on my answering machine. Once I started to do the research I think they violated the Fair Debt Collection Act so I turned them in to the FTC and E-mailed the Attorney General in Washington State.

Hello Members! I was wondering what is the best way to payback PDL's? CASH, MONEY ORDER, CERTIFIED CHECK, OR PREPAID VISA/MC? I was thinking about the prepaid visa/mc but not sure... but one thing for sure is, I won't pay them through my bank account...no way!!

I need help choosing what to do next. I have about 8,000 worth of revolving debt that I want to get a better apr and lower payment . This 8,000 is mostly credit cards. I am now very stressed because it feels this 8,000 has taken over my life! I have no money after I pay these bills.I have always watched my credit score ( its 680) but unfortunately not my debt. I have a good score and I have never made a late payment.

• $250 online loan through US FAST CASH (which I believe is illegal in my state) - I haven't made a payment but one is due this Friday Oct. 7th for $125 ($75 rollover fee plus $50 principal)
• $250 online loan through CASH NET USA (I have made one $75 rollover payment, $121.88 due Oct. 6th and the remainding $218.75 due on Oct. 20th
• $511 store front loan through Speedy Cash due late October but they allow 4 extensions.

I reside in Missouri.

I have a online installment payday loan with Plain Green I live in the State of Kentucky and I found out that these loans are illegal in my state so I sent all the letters to inform them of this and i filed all of my complaints . I kept getting an email from them saying that they do not have to go by the laws of my State that they are a Tribal thing and they go by there laws .

Hi Everyone, I have received 4 paid in fulls. :) My question is... is it possible to get a paid in full because they sold the debt to a collection agency? Just wondering... Thanks!

Under the FDCPA you need to dispute the validity of the debt in writing via the US Postal Service within 30 days of your date of notification in order to receive a validation of debt. In addition this is an internet loan, you electronically signed the loan document, there will not be a paper contract to provide you. Electronic signatures are recognized by every jurisdiction in the United States to be legal and binding.

Forum, I have been working to pay of an old Amex bill for the last year and now have a court case with Suttell and Hammer (not sure how) Here are the details. I owed AMEX 16,000 and as of today owe 9600.00 I have been paying them regularly and up until February thought there was no issue, as payment continued to them and statements where being mailed to me. In March I get a letter from a company called Suttle and Hammer notifying me of the debt and asking for payment.

With the help of thisfine community I had settled 4 credit cards in 2010. I will be filing insolvency (form 982) and I know I need to list my assets and liabilities. I have many questions now regardign filing the form. My accountant doesn't seem to know answers and I would really appreciate if some has been through the same thing and can answer my questions. 1) I had 4 credit credit cards that I settled in 2010 and per the IRS publication 4681, I need to list the liabilities and assets just before the debt was canceled.