I have filed for a CPT 13 banruptcy. Do I include all of my debt, including debt that is not on a credit report, payday loans, Chexsytems. Telecheck? The only thing I want keep is my car.

Ok friends....I need your help. Chris Smith, a process server (and I am the Queen of England) wants to serve a summons on me for a fradulent check charge. It is through Spoyta and they are not licensed to do business in Ohio plus this is a defaulted loan from June 2010. Further, it was my moral obligation to pay back the principal balance only which I did in August of last year. Anyhow, he has called my references several times, he has called me at work (even though I have told him I cannot receive calls at work), and he is just an idiot.

From personal experience and working with clients the #1 reason why people can get started getting out of debt is... Making The Decision to do it. Believe it or not most people don't get started getting out of debt because they either don't know how to get started or they are afraid to get started because they think they are going to fail. What are some of your reasons why you haven't seriously started getting out of debt?

Hi, I just wanted to get some information about payday loans. I have 3 on line pay day loans. I live in FL. I have fallen into a payday loan rut, and also fallen behind on the bills since I have to pay the loans. I was wondering what would happen if I don't pay them. The loan details are as follow: 1. Think Cash/Plain Green Loans Installment loan: Owe $850 2. OneClickCash: $750 3. EasyCashOnlineStore: $1,170 Thank you so much for your help. :confused: Sage

Hello, I had a question regarding charge-offs. We had a Gold Option Loan with BofA and had been paying on it $300 a month on a reduced payment plan for the last two years. Recently, we got behind because of a reduction in income and also some medical bills. I still kept in contact with them and tried to pay what we could but we did miss a few months. Recently, it came to the point where we had to pay $600 in order to keep it from going to the next level. I had payments set up but one of the payments came back returned from my bank, which I did not find out until 3 days after the fact.

I (actually a co-worker) received a recorded message from Vandenberg and Associates and I have no clue what they want. They left a file number on the message. I called the number back and a very rude woman asked if I was one person or another. I asked her why she would ask me that and she told me that we both came up under the same number. Weird!! She then demanded that I give her the last four digits of my ssn. I refused to do it and she got hostile with me.

Today I received a letter from Portfolio Recovery Associates saying that if they do not receive payment from me by August 13, they are going to sue me. The amount is $1,548.34. They also offered me payment plans of $258.06 a month for six months and $129.03 a month for 12 months. My hours at work have been cut and my summer job ends in two weeks. I am not sure when substitute teaching will start up for me again so finances are kind of bad right now. I am very scared about this lawsuit letter and am not sure what do to. Is it too late to request debt verification?

I just received this email from someone from Mary Summers and Associates, located in Georgia. I live in North Carolina and I know that these types of loan companies are illegal in my state, but can they actually file and can I be served a summons from these people or any other out of state law firm? below is copy of email sent to me from this company. Will this nightmare ever end? every time it all seems to settle down and these PDL companies leave me alone, then one of them will try to start scaring me again. This is a communication with a debt collector.

I live in NC and in my stupidity, I took out some internet PDLs. I have 5 outstanding and they draft from my account each payday. Of course, I am having a hard time paying my bills. Can you tell me where I can find mailing addresses for the following: VIP Loanshop Cash Cure Cash Jar Ameriloan United Cash Loans I am going to close my account and send them letters. Anything else I need to do? Thanks!

Hi all, Over the last year I have taken several emergency loans from these lenders. They are all paid in full, never took an extension---I have one now, however, from MyCashNow, that I MAY have to extend. As I was researching this process, I found you! In reading posts, I've grown curious as to whether a ton of interest I've paid back with these loans is even legal in TX. I called the Office of Consumer Credit and they were nice, but not exactly helpful.