Has anyone had experience with what happens if you just shut down your bank account and stop automatic payments to payday lenders? I got in over my head, shut down the account, faxed all of them and filed a complaint with my State's Banking Commission. It turned out that all of them with the exception of one were not licensed to do business in this State. We have a strict law which prohibits them from entering into agreements with anyone in this State if unlicensed.

Won a civil suit over a car accident, willful reckless actions causing the death of a spouse. Was told that the judgment debtor could file bankruptcy and erase the debt. Have not seen a dime, was thinking of pursuing action with a new attorney to collect, but can they (2 defendants, judgments against both) just file bankruptcy and erase these judgments? I know the likelihood of the entire award being recovered is outrageously slim, but would be nice to have at least my costs reimbursed. The award was there for a reason.

Won a civil suit over a car accident, willful reckless actions causing the death of a spouse. Was told that the judgment debtor could file bankruptcy and erase the debt. Have not seen a dime, was thinking of pursuing action with a new attorney to collect, but can they (2 defendants, judgments against both) just file bankruptcy and erase these judgments? I know the likelihood of the entire award being recovered is outrageously slim, but would be nice to have at least my costs reimbursed. The award was there for a reason.

My husband I have given a debt settlement law firm close to $20,000.00 to settle credit card debt. We entered this program with debit around $45,000.00 . We have faithfully made the required payments, for two years, so the firm would have negotiating moneys as well as satisfying attorney's fees. Now that the attorney has collected most of his fee, "____ " has hit the fan! To say we have been scammed is an understatement. We are now facing three law suits against us that have resulted in garnishment of wages (we nothing of this before it happened).

my mom has picks related dementia and the government is now paying the majority of her skilled care bills. All of her saving are gone and she owes several years in back taxes. i have told this to the credit card companys many times, even gave them the phone number and address of it. I AM TIRED of dealing with phone calls on my BOYFRIENDS phone staring early and going all day, and opening the same letters over and over. how do i get them to leave ME alone?:confused:

If a debt was started out in one state then you move to another state, which SOL would you go by? The one where the debt incurred or the state you now live in.

I know CAs are supposed to send a dunning letter within 5 days of contact. Does that mean that I have to physically speak to them, or is it 5 days from when a voicemail was left? Also, if the message left doesn't identify the company, just says the person at this number has business with us, don't they have to state their name, company, and phone number to call back?:confused:

These people have contacted me and pretty much were threatening me about a Checksmart payday loan I defaulted on. I started paying them monthly in November 2010. My amount owed was $977 and this was a storefront and I do owe it. I was down to $370 dollars and in April I needed to change the date of my payment. They refused to remove the information and to boot from teh very beginning they refused to give me an address for their company. Not just by one person but by many. I had to cancel my debit card to have the payment stopped before it overdrew my account.

i was trying to c if i got approve

I had a HSN card for a little over a year, I was notified by the credit bureau that my account with them was closed. I called up to find out what happen and nobody had an answer and they seemed as baffled as me. The funny thing is three days before they closed my account they increased my credit limit. I don't understand I have never been late, I pay the bill on time each month. I contacted World Financial Bank and HSN... of course I never get a straight answer. This closed account has affected my credit score and I am really upset.