as title says, got a summons today & I have no idea what I'm doing. Any Help would be appreciated. i can upload pdf's of my summons.

I had challenged two of my accounts with experian. I recieved a response from them in the mail. They said that they have previously investigated the item and that the information was previously verified and that they would not reinvestigate. Is there anything else I can do with these accounts like challenge something different about it or am I finished wiht what i can with these two accounts.

I have two questions in regard to my report that I hope someone here can help me with. First on my Epxerian report one of my credit cards was closed, but I am still making payments on it and haven't missed a payment in a long time. Looking at my report it is reporting this account as cls for the last few months. Since I am making timely payments on this account shouldn't it be reporting as ok. Is this something I can challenge either with experian or with chase? My second question is in regard to charge off I have.

Hi All, This is my first post, but I've been checking out the advice everyone's given for the last couple of weeks. I've gotten into a payday loan spiral as several others have, and am trying to get out of it. From the research I've done, it appears IPDLs are not regulated in Kentucky(where I'm located), and are therefore illegal. I've found the form letter to email the five internet companies I have my loans through, but haven't emailed them yet. I have also opened a new account at a different bank, and will be closing my old account today. I've not yet defaulted on any of my loans.

After months of emails back and forth about I owe them (according to them) and mine saying that I have overpaid them and that I was not going to pay them a cent more, I received the following email: [FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]You did not pay off the loan however; you did make one $90 service fee installment before you told your bank to put a STOP PAY on our company. We do not have to be licensed in your state and this is why you were approved to take the $300 loan.

I recently paid the original creditor in full for a past due debt. The original creditor sought a third party debt collector, SourceRM to collect the debt back in November 2010. Around the same time payment was made to the original creditor, the third party collection agency placed an adversary account on my credit report.

I went on a 3 month massive credit report cleanse to clear myself of all adversary debt. Now that all the debt is paid off and the creditors or collection agencies have provided letters stating the account is settled and my credit report will be updated to reflect a payment status of _____. I can't get the credit reporting agencies to honor the agreed upon terms and conitions between myself and the collection agency or original creditor.

Hello, Like most others I have found myself in debt with payday loans and need help on how to get out of this. Here are the 3 PDLS I have National-PaydayLoan.com Borrowed $200 Paid $60 in fees twice, so paid $120 Advantage Cash Services Borrowed $450 paid back $135 3 times so far, so total paid is $405 LoanShopOnline Borrowed $300 paid $180 fee only 1 time so far

I want to make a settlement offer to two of my creditors and was wondering if there are some "should do's" and "should dont's" when I talk to them. Is it best to just come right out and offer a certain dollar amount to settle my account? Or should I ask if my account qualifies for a settlement? Both accounts are almost at 120 days right now. I'm just not sure how start the conversation and was hoping someone here could provide some advice. Thanks.

What does this mean exactly ? I pay about $384/month, never a late payment with 8% interest, I have about $800 left around 16-18 mo. Do you have to have good credit to get it rehabbed? What's the difference between rehab and refinance, can I refinance for 9k??