thepayday loan company wants me to sign a Limited Power of Attorney. Should i ?

You know what would be great? If people would video record the phone conversations they have with these scumbag PDL's....especially the illegal ones calling from overseas. If there was a section on here to watch the video of recorded conversations between the asshole debt collector and the good people of this forum, that would be great. It would give some people ideas on what to say. A lot of people are afraid of confrontation and maybe this would help out. Unfortunately it's not easy to record though. You need a camera set up already or another person there with you.

Sorry this is long! Hi- I'm new here. I found this forum because I had gotten a call from AIS services lastnight. I don't know what they are trying to collect from me & so I was googling & it lead me here. Here is some background info on me- At 18yr I took out some credit cards, can't remember how many or for how much. I went on crazy shopping sprees & never paid them back. I also have not had any health insurance for the last 20 years & anytime I get sick I end up at the E.R. & I can't afford to pay all of those bills off. I also have school loans out.

I received a collection letter from Southwest Credit dated 12/07/2010 Sent a DV letter back, delivered 01/03/2011 (27 days) USPS Certified. So far they haven't responded or verified in any way. On 03/10/2011 I noticed the following apprear on all my Credit Reports: New Collection SOUTHWEST CREDIT SYSTEMS I [TransUnion] Account information disputed by consumer, meets FCRA reqs [Experian] Customer disputed account - reported by subscriber. [Equifax] Consumer disputes this account information ------------------------------------ Subject has not satisfied debt. From there on I keep getting ale

My son has been un employed. Now that good weather is here he is starting to find work. But behind on truck payments, back child support. Trying to get on his feet, as parentswe have helped. MOre than we can handle. Bank is asking within 10 days for 8,000 plus for his truck. He would then be without transportation and would not be able to pay. We have consigned for our daughters education and now we are in financial problems. Cannot cosign another loan. He needs immediate help. Can you do that?

I have posted of copy of the entire FDCPA and made it a sticky http://www.debtconsolidationcare.com/settlement/thread113136.html I did lock the thread. It is early in the am and not having had enough coffee, I did my best to clean it up and highlight important notes. If you see what look like random numbers, delete them. Feel free to make moderator notes. When I was collecting I had a copy of this at my desk...my feeling is this is important tool and people should be reading it.

Can you tell me why i should pay when i don't know why?

If in spite of my request they keep calling me will it be considered a violation of fdca act? As far as I remember I already paid the debt amount. Why are they calling me now? How will I stop them?

I keep reading this forum and seeing a lot of "if it's online, it's probably illegal." I have also heard this before from other sources. I'm just confused about it; I don't really know how to put it in words... I have an online loan (Payday One) and it seems to be legal. They just change the loan type. It may be advertised as Payday Loan but in my case, it is actually a CSO. When are these online loans illegal? I would assume they would all operate as CSO's and bypass PDL laws. How do you know the difference when getting these loans?

I had a credit card in 2004 and defaulted on it....in 2008 I received an Exemption form, at which time I did not have a checking account so I did not list that only a vechile I owned. Apparently they sent me another Exemption form in 2010 which did not get completed. The other day I go to use my checkcard and its declined....they took all my money!! I have read other post that talk about having a court date, this is something I never got offered, I even got my file from the court house and there is nothing in there about a court date. Please tell me if there is anything I can do!