who is calling me 413-221-3987:confused:

In 11/2008 I took out a $300 loan from Goodtime Cash. I was to pay $90 every 2 weeks, payoff the loan, and be done with it. I am in Texas. I paid the $90 and then they started taking a separate deduction of $10 as well. I was told that was from my bank..did not agree and called. Finally got ahold of them and they said they would call me back. By 1/9/2009 I had paid $290. They called me and offered me a one time deal..pay the next $90 and an additional $105 and my loan would be paid in full. I agreed and they debited my account 2 different amts. $90 and $105.

I received a summons today. I answered the summons and sent it back to the lawyer and the court. What can I expect now in regards to.... How long before I hear back from them? Is it possible to call the lawyers office (They're trying to collect for Cap One) and try to arrange a payment plan before it goes to court, if so how receptive are they to this in your opinion/experiences? If it does go to court how does the judge go about rendering a decision? Lets say for instance I lose the case.

Being that you collected on student loans maybe you could help me on my matter. I received a call yesterday at my new job of a month from collector at CTI threathning to have my wages garnished if I didn't enter into one of their 9 month payment plans to get the account in good standing. Is this legit? My mother doesn't even have my work number yet? I was going to call the Dept. of Edu to set up a plan as soon as I got my feet under me after being out of work for 2 years.

So there I was... 42 days into a new job after being out of work for almost 2 years. The caller was transferred to me from (as he put it) my payroll department. This was a debt collector from CTI calling to let me know that I have an outstanding balance on my student loan in the amount of around 6K. I was terrified. This collector continued to tell me that they were starting actions to garnish my wages unless I got set up on one of their payment plans right away.

Hi I am new to the forum. I wanted to see if someone new anything about the permanent injunction that happens on a debt after you file BK and it is discharged. My BK was discharged in Nov of 2005, a credit card was opened up in Oct of 2005 by the same company that was included in my BK. My BK was a no-asset chapter 7 in Colorado. Can you tell me if the injunction would prevent this CA from collecting on this? I did not open the account. I have all paperwork including the matrix and the mailings to all the companies.

Been dealing with this company for a couple of months now. They said that I took out a $500 payday loan from Loan Point USA (I never heard of this company). They keep saying that if I don't pay them, that they would be filing felony charges against me for Theft of Check. I keep telling them that I have never heard of this nor got a loan thru them. What can I do?

Our family is in multiple payday loan cycle hell!! Literally!! We have 3 children and we are drowning. We need help, like yesterday! We can't pay our utlilities, van payment or for groceries. How can you help us? Our marriage is not falling apart yet...so that's the good news. Any advice would be greatly appreciated.

I received a letter from Allan & Associates, about a debt with some insurance company, by a small bump on a UHUAL truck, rented by me, with insurance paid more than a year ago. They want to charge me $ 1,821 for a small bump, is a steal that amount, I do not just pay so much for a little bump, that in any bodyshop fix for $ 300, I'm trying negotiate with them to pay much less than that amount and do not want. What I can do? There are no reports of the incident, as there was no damage, only minor bump.

Hello! I'm from Virginia and have a few illegal payday loans. I've been reading this forum and many suggest to close your bank account and open a new one. I tried to go to the link about important information about closing an account but get a "page does not exist" note. Before I go and close my account I need to know what to do when I get there. Also, should I open a new account elsewhere or is my current bank safe? I bank at Wachovia, soon to be Wells Fargo. And I've also notice some people warn PDL will force open a closed account? How do you keep that from happening?