I'm in deep with 9 PDL's right now. I closed my bank account and will receive a lot of calls in the next few weeks. What happens if they constantly call my work? I will follow what I have read on here by telling the PDL's to stop calling me and to send me a dunning letter within 5 days. Any other advice after that? Anyway, the REAL question: I have had payday loans in the past with several of the companies I owe now. In the past, I have paid them all off, including the crazy interest that they charge.

I am trying to add my credit card from Continental Finance to my debt management program and received a letlter from them today stating they will not work with a debt management program.... are they able to deny payments from them and what are your suggestions.

Hi- I know i have seen a sample DVL on here. I cant find it though. I wasnt to send it to NCA collection agency regarding, illegal, unlicensed payday lenders. I have found some online, but i thought i saw one of here that had wording for the loan being illegal as it is not licensed. Any suggestions? Thanks!

i need help getting a short term personal loan

I lost my job this winter and subsequently was unable to pay my AT&T bill. They sent it over to a collection company called National Recovery Systems. In February I agreed to pay it all in one sum, thinking I would find a job. I have had no such luck. The manager threatened further action today if I did not agree to a $300 payment on March 31st. I do not have the funds or anybody I can borrow from. What do I do!?

I had a $31,000 debt that I settled in full for $6000. Now I received a 1099c for $25,000. I know this $25,000 is the unpaid portion of the total debt, but I also know that the penalties and interest that accrued for this debt to reach $31,000 were not calculated into this amount on the 1099c. When I file taxes will I be able to subtract/calculate the interest and penalties accrued for this original $31,000 debt - so they will not be part of the total adjustment to my annual income?

My sister received a phone call about my husband threatening him to call back about a legal pending matter. We have never given her number out. I suspected this was a scam so I looked up the number and found it had been used in the 1-866 scam numbers. I called the number got an Anthony Green who refused to give me any information on the company. There was no message stating the call was been monitored for quality assurance or being recorded for tranining purposes etc etc. He himself never informed me that my call was being recorded.

I filed for chapter 7 back in 2004 and it was discharged in 2005. TU does not have my BK listed and still has the old debts that were included in the BK. this is really affecting my score. Upon contacting them, I was informed that it was up to the courts to report. courts laughed and said no it is not. so since it has been so long, should I just leave it alone or should I get the BK on there an HOW?

Hi all, I have a question that I have not been able to find a an answer to by searching the forums here. Do all credit card companies send out a letter just before your account is up for charge off? Within my situation, BOA was my first settlement. Within a few days off my accepting a settlement with them, I received a fedex package, signature required stating that the account is due to charge off. It further stated that if I wanted to reach an agreement with them before this happened, to please respond by xx date.

[SIZE=3]I recently was informed that my wages were about to be garnished at work.