What is the situation with "tribal" lenders - I know there are several. The one I'm beginning to deal with is Redstone. I'm in CA and as far as I can tell they are not licensed in my state. I understand they claim immunity from state laws. I stopped an ACH transfer to them today and will be sending them a letter (they are impossible to reach by email) but I know the phone calls will start coming from them next week. What is the best of course of action in dealing with them?

My husband and I had 2 - $200 deposits into our account by this company out of nowhere. Never applied for a payday loan or any loan for that matter with anyone. We immediately closed our checking account on the advice of our bank. Is there any type of legal letter I can send to this company telling them we did not authorize this transaction and that they are to zero any balance they may have on us? We are located in the State of TN. Thanks

For the last 3 years I have been sick and trying to get Social Security Disability. I finally have my disability hearing on 8/24. Obviously during this time I have been unable to pay my bills and fell behind and eventually had to stop making payments on my credit cards. Today I was just served with court papers from American Express as they are now suing me for $1100, the balance on my credit card. I'm not sure what to do as I have no money to pay this. I am too sick to go to court. I wanted to file bankruptcy several months ago but no bankruptcy attorneys wanted to take the case.

I live in Utah and I have several pay day loans from different online vendors: MyCashNow, United Cash Loans, Speedy Cash, Loan Point, and Plain Green. I've always paid my fees, but now I'm starting to feel like this cycle will never end. :( What can I do, if anything, to extend the amount of time to pay off these? I'm so embarrassed that I've let it get this out of hand. Is there anything I can do?

Hello, I am in need of some help. I have 3 payday loans out non-internet. One of the loans is thru US BANK it is a checking acct. advance.[URL="http://www.debtconsolidationcare.com/forums/editpost.php?do=editpost&p=886381"][/URL] The second one is with Allied cash advance. The third one is with California check cashing store. I want to stop my paycheck from being direct deposited in my back acct. I know that my bank will not close my acct. because I own them.

Some background... Oc sent acct to CA after 120 days, CA had it only 30 days, sent to atty. Came to agreement with atty for 37% of balance, lump sum. The attorney sent me an unsigned stipulation of settlement with the agreed settlement amount and if I do not go through with the settlement I give up my rights to fight in court, a default judgement for the Full balance.

I have a motorcylce that I purchased through HSBC...the interest on it is about 14% and simply the balance has not come down. I'm in the process of looking at settling my debts as I am in pretty deep debt, but was wondering if this particular debt could be settled? I owe them about $8000 and was wondering before I stop making payments if this would be the best way to deal with them. Im not sure if the debt is secure or not but I figured since it's through HSBC its just an unsercured loan. Does anyone have any experience with this?

Hi -- just got an overnight letter from discover saying that the account has attorney placement pending -- it is not set for charge off till end of sept -- but I guess they are letting me know it is going to an attorney -- It says the acct will be forwarded to an attorney to obtain a judgement against you. I offered 31 percent (the most I could do) -- bal 6500 will I still have an option to settle if it goes this way -- has anyone recently had any of these letters express mailed to them thank you all