I was in desparate need of cash in April 2011 and borrowed money online (HUGE mistake) from Netcash 123. Now, when the money is taken out of my account it is from Cash on Wheels. Same number to reach these people. The loan was for $550 and I have paid it back, plus! The total repayment is going to be around $1,500. How is this possible? I'm now reading that these are scam artists. Should I close my checking? They have all of my employer, bank account, and social security information. Can they turn me into a collection agency and destroy my credit? Help!!!

Hello, I am at 135 days from last payment with Sears/Citi on a 5k balance. Last month I submitted a verbal settlement offer of $1800, they came back with 50%. This week I verbally submitted an offer of $1600, they came back with 40%. Do I let it ride another month and hope for 30% or does 40% sound reasonable. I can come up with the extra money and get another notch on my belt, however it will affect my future negotiations. TIA PS 135 days from my last payment makes me 105 days late? Correct?

Hey everyone, New here, and have been reading up quite a bit for a few hours now, but still would like advice on my specific sitch. Its going to be long, so plz bear with me. Here goes: On 8/15/11, I get a voicemail... some guy with a hefty voice saying he's Calvin Murphy and that I need to call so-and-so#, and so-and-so is my case number. Basically making it seem as if he was on foot looking for me right that minute (smh) to try to serve me a court summons or something, ending the call with a strong "You've officially been notified".

if husband and wife have a saving account can the attortney have the bank to put a hold on your fund if so how can you get them to take it off:mad:

I've got a question and I don't know where else to turn. Today at work a collection agency called me 8 times in a period of four hours. They keep saying they're some kind of legal company and have a legal matter to discuss with me. Out of the 8 times the guy was told 4 times to not call back because it was a place of employment but he continued to call even after being told that. My boss finally talked to him and told him I would call him after I get off work at 9 pm.

My fiance and I are trying to up our credit scores to get a house. Mine is garbage, hers would be good if not for a reporting error which I need some suggestions on. Once hers is all squared away I'll be coming with lots of questions for mine as it is in the mid 5s and not so pretty with a few items that I don't think I can negotiate on. Anyways, on to her issue. She had 1 medical account that went past due. The billing department had her wrong address so she never got any bills. Upon finding out about the collections accounts, she promptly paid it off and the balance is now $0.

I have been getting rid of my pay day loans for a while now, but I got side tracked with a few other bills and things that I had to take of. I only have two left, extrafunds.com and speedycash.com. I haven't heard from either of them for a while now. My question is should I try and get in touch with them and work something out or should I "let sleeping dogs lie"? Will I most likely hear from a ca? Anyone with any experience dealing with these two or anyone with any advice it will be greatly appreciated.

Hi, I unfortunately fell on some hard times a few years ago and had to rely on credit cards for awhile to get me by. Unfortunately, none are in good standing anymore and I'm at my wits end with collectors calling. The plus side, I am finally on my feet again and really want to get things paid off and start the long road to credit repair.

Someone please delete this guy. He posted one time and it was spam (link to "low interest student loans"). Thanks! http://www.debtconsolidationcare.com/User/kawsarpaul

I have a pay day loan advance and due to financial hardship I have not been able to pay the remainder balance of $140 plus interest of course the lender has been attempting 4 attempts to debit from my account in the past 2 wks which is causing my acct to overdraw costing me more $ that I don't have.cash in a wink has contacted my employer stating of wage garnishment as of my nxt payroll. Is that legal in the State of KY?