I'm trying to decide what to do about the following 3 loans. Cashnetusa - original loan amt $650 on 5/24 paid - 256, 204, 185, 193, 151, 198, 159, 205 = 1551 additional advance - 140, 89, 235, 213, 94 = 771 + 650= 1421 still owe $450 peppercash - original loan $500 on 5/27 06/10/2011 $175.00 finance fee 06/24/2011 $175.00 Returned item (Non-Sufficient Funds) 07/08/2011 $175.00 finance fee 07/22/2011 $175.00 Returned item (Non-Sufficient Funds) 08/12/2011 $225.00 ($50.00 principal balance + $175.00 finance fee) 08/26/2011 $207.00 ($50.00 principal balance + $157.50 finance fee) 9/9 $19

My income is fixed/salary, albeit nearly 4k/mo. I already work nearly 60 hours/week so I can't make any extra, I have over 57k mostly in credit cards. Over the last 2 months I got into payday loan hell thinking I'd be able to get out of it quick, I still have 3 to pay off. I've tried to make a budget, I literally don't spend ANYTHING, got rid of my cable, internet, next to go is cell phone. I'm eating ramen and have sold everything I can. I have NO furniture, other than I bed I rented from rent-a-center because that was all I could afford.

My BofA account has been recently charged off to Creditors Interchange. Has anyone any info. regarding them?

Hello, I've been getting some great advice recently about a time-barred debt that a DC is trying to collect. I have another situation and I'm not sure the best way to handle. Recently, I visited my credit union to get a small loan for school. The loan office asked me if I had a CC for $3700.00. I said, nope, but she said it's showing on the CR and it's overdue since 2008. I settled this account with a DC in 2008. The original balance was over $7000 and we got an offer around tax season we couldn't refuse for 1/2 off so my wife and I paid it.

Hey everyone! I wrote about a situation I'm in on another bankruptcy site and wanted to see what others thought about my question and people's responses. I am filing bankruptcy on this coming Tuesday. I'm $10,000 dollars below the median income for my area and nearly $25,000 below for my state. I have no assets. Between December of this year and July of next year, I am likely to quit my job and move about 800 miles away without any sort of prospectives of a job.

Hello everyone! This looks like a fantastic forum. I usually search for answers before posting, but since most credit situations are unique, I would feel a lot more comfortable to get specific advice and hope I'm in the right place. I opened a store credit card account for a purchase in January of 1999. It was the only thing charged on that account, but unfortunately I never paid it (off).

Here is the situation. For two years I have been fighting 4 CA's over a debt that cannot be validated. ( I have a post somewhere here about it). Anyway, last year (november), the last person to try to collect was an attorney who sent me a letter on the matter. This letter came after I again asked for validation and sent him copies of all the others who had their hands in it. The letter stated that the account would be considered "paid in full" and no further contact to be made. But, guess what?

I put a hard stop on account and they still got around it . Ended up closing account to stop them from taking money out 400 loan and paid 600 back

Hi, I have a question for you. I have a payday loan from rightaway financia group for 714 dollars that was due this past Monday but because of the holiday I forgot all about it. When the collector called I told him I would have the money by Saturday thinking that I would have it. It is Saturday morning and I won't have the money till Monday plus I have a workshop to attend from 9-4 and forgot to tell him. I texted him back to tell him but he doesn't want to hear about it and yelled ay me. This man already texted me at 7 am asking when I would make the payment.

Through about two years ago we ran up some nasty credit card debt. We stopped making payments on three cards, walking away from balances of roughly $50k, $40k, and $10k. Two years ago we settled the biggest debt for about $21k. We have an offer now to settle the next debt for $20k. The third card has not been pestering us. In that time (and before it), we stayed 100% current on our mortgage, paid off a car loan, and kept 100% current on an auto lease and other credit card debt (always paying in full). Our joint income is again in good shape (almost twice what it was in 2009, our worst ye