Hello all. You may or may not have noticed that I've been missing for a few days. My mom fell off a ladder and broke her knee in 3 places last week and my sister and I have been alternating taking care of her. She's becoming a little more mobile now and we seem to have her settled in but, if I disappear for a few days at a time, that's likely why.

I first posted this in collections and was suggested I put in Pay Loan Help. How do I know if a collection company is legitimate. Had 3 calls this week telling me they had papers ready to serve me. These are all old PDL from 2-3 years ago, but have been laid off, could not pay, now they are threatening me with serving papers. I am finding one of them , a web page on line, but not very detailed, could be a cover?

Hi, This is going to be a detailed account of what happen and any feed back would be appreciated so much. I live in Nebraska and I received a phone call and voice message on my cell (weird because my name isn't even on the cell) From a Lawrence Stewart stating a case number and that I was going to be served at my place of employment and or my home with a summons. the phone number is 1-888-822-2765; this was on tuesday.

I was wondering if someone could answer my questions. I have two pdl's out. One is with Payday Loans of America d/b/a Online Advance in the amount of $400 (they are located in Delaware). I just made a payment to this one in the amount of $100. The other pdl is with Cash Advance Network in the amount of $200 (not sure where they are located as I can't find their address). I currently have paid $250 on it, but they are still saying that I owe $180 more. My questions are: Are either of these companies legal or licensed in NC?

I received a call from Peachtree Law Center. They claim they are a law firm not a collection agency. Has anyone delt with them? I reside in Illinois and had a payday loan with The Cash Store which I defaulted on. By balance was $964.58. I have confirmed with the collection department at CS that the balance was $964.58 and the account was sold to a debt withholding company in February. Peachtree is stating my balance is $1314.58. Im not disputing the $964.58, however I don't understand the amount they are claiming is now due.

I had a guy just call and he was all threatening and said I had one chance to call the adr and I had to call this number, I called it and it went to a place called Nationwide. Should I be worried. I also want to consolidate my debts.

In 2007, I took out a payday loan for $400 from Checkmate. From what I remember I paid the loan off. I received a letter from Paul Law Office stating I owed $495 but with their fees it is $600+. I sent them a DV letter.

Ok,,I have finally figured out the difference between PDL's and CSO'S. Here is my question,,,are there any caps on what and how much the cso's can charge? I am in the state of OH. Right now, I am dealing with CheckNGo and CashNetUSA. I need advice.:confused:

How do I know if a collection company is legitimate. Had 3 calls this week telling me they had papers ready to serve me. These are all old PDL from 2-3 years ago, but have been laid off, could not pay, now they are threatening me with serving papers. I am finding one of them , a web page on line, but not very detailed, could be a cover? One is Federal check recovery out of Lawrenceville, Ga phone number888-778-6049, one was Southwest group, Alternative Dispute , out of Arizon phone number 877-277-7535 and last was United claims services out of New York phone number 866-754-5354.

I had a card that was through this bank but when i told them it was missing they gave me the number on a peice of paper and now im fighting payments and debt that is not mine what can i do?