So I found out that these people are illegally lending because I live in NY. So I took all the steps to protect myself from these people. Called the bank and closed the account, got identity theft protection and then reported EM to the FTC. So I tried having the bank send the $200 back but they said that they couldn't. So I've called EM like 10 times and every time I call I just get a voice message. I left a message once, which they called back but I wasn't near my phone so they had left a message. So then I tried calling them but got the voice message again.

We have a high debt ratio, but our credit is good. We have tried to refi our existing mortage, but can't because of debt ratio. We owe a large amount on credit cards, etc. What can we do short of bankruptcy, or is this our only option?

I received an email today from a payday I had in 2002/2003 from Check n Go. Fortunately this was included in a bankruptcy in 2004 and I have the proof. I can't believe even after the bankruptcy is discharged these people try and collect. 7 or 8 years later. Good lord, I about laughed, but its nothing to laugh at.

How do i find out if internet payday loan is legal in indiana? My cash now is calling and harrassing me, saying im going to jail if i dont pay. The loan was 3 years ago, they took out money when they were not supposed to causing my account to be closed. Havent heard anything in at 2 years....now they are threatening me and calling my references saying if they dont pay or give me messages that they will go to jail also. Can they do that?

I live in missouri and have many online payday loans. And I am unable to pay them, I have called them and so far they are unwilling to deal with me. How can I find out which are legal?? Please Help

I am many online payday loans in Missouri, how can I find out which are legal. I am unable to pay on them anymore.

Hello. Im new to this site but wanted to know how to deal with payday loans that are overseas. I currently have 4 loans: Discountadvances.com, paydaymax.com, money2advance.com, and checkngo.com. Are overseas payday loans legal?

Hi Everyone, Newbie here and I'm looking for some advice/assistance please. I have debts that range from 6 to 9 years old. I have not made any payments, contact, anything... with these companies. They have started to call again and I am now at the point where I can accept mistakes and move forward. I want to get these things taken care of. So my question is, what do I do? I know that I can/need to send out SOL letters to the companies that contact me, but how do I get rid of this debt and stop them from calling me?

These people threatened me with jail. I had by the time they hung up the phone to pay them over $1500 or they were contacting my local police and I would be arrested. How do I find out if they can legally do this and how do I find out if that is legal in my state?