has anyone worked with YOUR FAST PAYDAY. Or know if they are legal in Ohio. I THINK THEY ALSO GO BY THE NAME INSTANT CASH USA. HOW CAN I FIND OUT IF THEY ARE LEGAL IN OHIO?

can I email a change of address for my account?

After my father's death in 2009 we negotiated pay-offs on his credit cart debt. Received a 1099-C for 2010. Do we need to file and report this?

if i reached a settlement with the credit company, can they still turn it in to the irs as a cancellation of debt?

Once ALL past due collections have been resolved, how long does oy typically take to see a major increase in one's credit score?

Thanks to the support and reading up on everything I am sending out letters tomorrow after canceling my account. I was wondering if anyone else has had any experience with any of these pdls? I had no choice but to take them out after being injured at work and workmans comp did not start for 2 months then all the sudden stopped. I am not finally getting everything under control but am still not working and cant afford of course the 1700 a month in fees.

I was looking into laws if a payday loan if they are on the Internet if they do not have to follow my State laws in IL and so far I have herd it does not matter if they are not licensed in my state or illegal I do not have to pay them but I found this from bbb saying that they can get around it. I am closing my account tom and sending out the letters I found this Lenders may be hard to locate or impossible to contact. Some hide behind anonymous domain registrations or may be located outside the U.S.

I had a car repossessed. The finance company got a judgement against me and took my state tax refund. Can they also take my federal refund toward this debt?

[SIZE=3]What is the best way to communicate to a collection agency to limit calls to a home phone number only? Is it best to do this in writing? If so, is there a sample letter? Or just make is short and to the point?[/SIZE] [SIZE=3]I do not want a full cease and desist because I want to keep the lines of communication open for negotiating or setting myself up for a quick summons. However calls to my work and cell phone must stop.

I have a loan with the loan shop online. The loan was for 300.00 with a fee of 90.00. So the full amount of the loan was for 390.00. I decided to pay the 90.00 fee first not understanding that any money taken out of my account after that did not go towards the loan. They have taken 90.00 every two weeks out of my bank account for the past four weeks. I just got information from them saying my account is not paid in full and that I still owe 390.00.