I would first like to say that I am embarrassed how little I know about all this kind of thing. I received a letter from Northland Group, saying I owe X amount of dollars of an unpaid store CC debt. They offered a settlement. I cannot recall even going into this store in the last 4 years. The last statement I could find was from April 2007. I wrote on the statement that I paid the just over 100 dollar balance. I truly do not think I went into that store after 2007. I had a PO box where I used to get my mail, until I moved to the place I am in now.

:hug:As a result of circumstances beyond my control, I was put into a situation where I used a credit card but could not pay it off due to an accident and no job for a couple of years. It is the only bad mark on my credit report. My score is good, but the notation still does its damage. I want to know how to remove it. I was told it would be taken off, but it has not been removed.

Hello, I just found this website and am hoping that someone could help point me in the right direction, as from what I have read, you really want to make sure you do things in the correct order and manor so that you are protected. My spouse and I would like to buy a house in the near future, but she has old debts that are still in collections. Most of these debts are from at least 7 to 10 years ago, which she just ignored and never took care of. A lot of them are small debts that are under $500.00. They will go away for a while and will then pop up years later with some other agency.

After my husband lost his job, i got into the internet payday loan trap and now have 5 internet payday loans. I owe, Ameriloan, $650/0 paid, United Cash Loan $500/$ $260 paid in interest, Sure Advance $400/ $270 paid in interest, GECC $450/$250 paid in interest, and PayDayOne $$850/ $900 paid in interest and rollovers...ugh. I live in Tennessee and need to find out what my options are. I have spoken with an attorney and he says close my account. Also I spoke with Progressive Debt Relief and they can help me settle. They have a C rating with the BBB. Any suggestions?

I went to use my debit card today and it was declined. Checked my bank balance. My bank account shows a negative balance of $12,771.02. I had $442 in there. The other day I got an envelope from a Philadelphia lawyer. I am in Delaware County PA, 20 minutes from Philly. The paperwork in the envelope is a "Praecipe For Writ of Execution - Money Judgements" which was filled on August 15, 2011 at 11:54 am.

I am getting ready to go through the daunting task of filing for chapter 7 bankruptcy. I am preparing some of the paperwork I have to take to my first meeting, such as a list of all my creditors. I was wondering if anyone knows if I should include the illegal payday loans that are trying to collect from me right now? My lawyer said to include everything, although I did not think to ask him about the illegal payday loans. Thanks!

I live in Texas and have three outstanding payday loans. The first is a $250 loan with Payday-Loan-Yes, an internet loan. Payoff is $350. The second is a $1,000 loan with Speedy Cash which I did over the internet but went to the storefron location to pick up the cash. I need to pay $1,450 to pay in full. The third is $2,300 with Payday Loan Store. This is the loan that has me worried sick. It started out as a payday loan of $1,800 and I couldn't make a payment, so they rolled that payment into the loan and then they had me sign papers to make it an installment loan.

Hi, I am in the process of trying to choose a debt consolidation/mgmnt company for my 9 payday loans as I cannot manage them at this point. I live in Rhode Island and I am trying to figure out if any of them are illegal. Is there anyone out there that can help me with this? They are as follows: CashNetUSA-$1000.00 FloBridge-$400.00 SureAdvance-$600.00 OneClickCash-$500.00 MyNextPayCheck-$500.00 CashCure-$600.00 LoanPointUSA-$700.00 USFastCash-$300.00 GoCash-$500.00 They are all internet based. I know it's disgusting.... Please help.

According to some lawyer advertisements, Citibank is suing me. Adkins and Assoc. was the law firm/ debt collector that I was paying the debt to when I stopped because I had fallen on hard times. I sent a fax to Adkins letting them know that I couldn't pay until I could get back to work. I also talked with someone at their office to find out how I still owed. I still owe $6700 +. No one contacted me about trying to work with me or nothing. No warnings were given. Now, I face a lawsuit and the likelihood of having to hire a lawyer I can't afford. What can I do?

I had an account open with a different collections agency and paid off my balance several months ago. Once it was all paid I received a letter saying that my account was satisfied and paid off. Now today I got another letter in the mail from this first source advantage saying that I still owe over $200 on that account. I called the number on the letter and got a recording saying that the extension I called could not be answered. What kind of company is this???