DCS calls me at work despite my written request not to call me there. Garnishment coming down the pipes so I am talking with them now. background: HESC of NY kicked over my loan to them after 4 years of unemployment, but not before tacking on the full 25% fee allowed by law to my total balance. I am employed again, making about 1500/month, with almost 1200 in monthly bills including credit card debt repayment plan, rent, utilities, groceries, car, etc. I verbally agree to send them $100 bucks good faith.

Hello Everyone; I am not doing so well financially at the moment and things are getting worse every month so I am not sure what to do. After searching the net for weeks I have come across to much information and now I am more confused than ever. What are my options? Would anyone here that has filed for bankruptcy be able to let me know your experience, suggest people to work with and maybe you might be able to provide other options? Thanks; Sarah

I am dealing with their collection agency Northstar and can't get anywhere. Also should I be sending my pay for delete letters to the original company or the collection

I am being sued and cannot afford a lawyer. I only have one delinquent credit card (the one I am being sued on). I am current with everything else, mortgage, auto, equit and 3 other credit cards (all with much lower balances). In Massachusetts if they garnish my wages it will be $125.00 a week ($500 a month) which will cause me to default on my other bills.

Hi, Can anyone tell me if Ameriloan and USFastcash are illegal online loan companies? They charge over inflated finance charges on loans of 300 and 350.00! I need help, I am now way over my head, I have been paying them back however only paying the interest and not the loan down itself. Can I stop paying them and not get sued or recieve calls at work for non-payment? Any information would be greatly appreciated! Thanks, G

Hello, I am need of some advice. I live in California and I am up to my eyeballs in internet payday loans. I have read that some internet payday loans are not legal. Is there a list of them somewhere I didn't see. Also I saw where there is a letter that can be sent out to the companies. Does this really work for them to stop ACHing. I have closed my account but Chase has indicated that if an ACH goes through it will reopen my account. Any help would be appreciated.

I live in the state of NY , and thanks to this forum recently found out that such loans are illegal in the state .I currently have seven payday loans and have put a stop payment on all of them. I filed a claim with Bank of America, I got the Affadavit form today and they're only filing for $250 dollars . I think they misunderstood me , I would like for them to file for all the money I paid to these lender since they're illegal. I sent the payday loans a template of the letter that I found on this forum. What should I do ??