I am currently being garnished and was told that there was nothing I can do. I did contact a lending consulting firm and they said for 699.00 they will stop the garnishment and I would after 8wks qualify for consolidation or forbearance. I would be taking out a second loan. WOULD this be something good to do rather than being garnished

It's been almost a year and a 3rd party has been trying to contact UnitedCashLoans to pay the loan, should I even worry about the loan not being paid off.

Midland Credit Management called me up and the gentleman that talked to me was very foreign probably from India cause I could hardly understand me. I told him back in 2009 Penny's didn't want me to send them money so I thought they sold my acct and just wrote it off. This man I talked to was very rude to me and demanded 90.00 today and no working with me.

It's been almost a year and a 3rd party has been trying to contact UnitedCashLoans to pay the loan, should I even worry about the loan not being paid off.

I just received a phone call from this company in Indianapolis, IN. I did not answer the telephone, as I was afraid of something like this. Should I answer it the next time?

Anyone know who they are affiliated with? My first unknown debt collector...they call 1-2x a day. I need to know who they are affiliated with, and if I need to return their call or not. Phone number is: 866-679-4046. They say "I am calling for xxxx xxxx, if this is not xxxx xxxx, there is no need to return call. I am calling to collect a debt. I can be reached at 866-679-4046 at extension 204." So, do I call back? I'd rather know who they are affiliated with before I call back.

Is there anything in a credit card application that would void your state rights in florida to an exemption as head of household

How do I know if a pay day loan company is a CSO??? Thanks

[COLOR=black]I have found some great advice on this site on how to deal with collection calls. One told me to send a validation letter (see below), in the letter they say to ask if the collector is licensed to collect in my state and to also provide license number and registered agent. If the collector cannot provide this information what do I do next? Do I still pay the debt that they have supposedly validated?

Got a call at work from a Mike Jacobs says he is in my town as a processor server and trying to save me the embarrassment of coming to my work or home. Says I have payday loans that are being collected by Davis & Clark 888-880-4855 but didn't give me his number since he travels so much. Said if I call them and straighten it out with them they will let him know not to serve me.