I have just received a phone call from a collection agency on behalf of a payday loan I received in 2007. The reason for non-payment was due to loosing my job and having two major surgerys back to back. Now that I am back on my feet and have a part-time job I don't mind making payments, but they are threatning to sue me, have a police officer pick me up and throw me in jail now. This was sold to an outside collection agency. Can they do this?:confused:

A couple of years ago I had an internet pay day loan. I paid the internet pay day loan company $1250.00 on a $300.00 loan. They said I owed more. I found out this company was not licensed in my state. I close my bank account etc. Now a collection agency is contating me on the illlegal lenders behalf. This collection agency calls both at work and at home. I have sent a validation letter and I put in the letter to only contact me in writing. I mailed the letter certified mail--but they never signed for the letter so it was returned to my post office.

Have you noticed recently that a lot of guests are using naughty user names or the names of websites in their user names, and even telephone numbers? Usually their posts are completely irrelevant. Seems to me they are attempting to advertise free, or offend the world! lol For example: blank (name of company) .com F*** the Mods Free sex screwed in the a** Just to name a few^^^ lol Just crap user names, then in the post they might say, nice fresh forum, or something that isn't relevant to the topic.

I believe they are calling me due to second mort. I took out in 2000, it was originally with Bank One they sold to Chase and now I believe it is with them. I am now trying to refiance and can't do so until I get them to release the lien. I know they won't do that until some type of settlement is reached, what can I do???

Does anyone have any information on my cash transfer centers. I borrowed $645 from them I owe back 819.45. Are they legal in Ohio? I havent defaulted yet but am considering it. Ill be glad to pay back the $645 do they take pament plans?

I received a phone call from a company by the name of Lombardo, Davis, and Goldman. Has anyone heard of this company and are they legit as they say. Please inform, thanks.

Has anyone ever heard of this scumbag of a company? They are the dirtiest of the bunch, and I am wondering what people's experience is with them so I know how to counter their malicious attacks. They are obviously a junk debt buyer. They bought a portfolio, that supposedly has my account included. Some other junk debt buyers are pursuing the same debt at the same time. When I received the dunning letter, I replied with a debt validation, which they replied back with a false and fraudulent affidavit.

my employer cut all my hours down and i have 3 credit cards, a car payment a phone bill that got high and my credit score is low so i cant get a loan and im behind, i need help what can i do?

Well it appears that the last pay day loan that I am dealing with is Ameriloan. I took this loan out a long time ago and had taken out numerous loans with them paying way over the amount borrowed. It has been so long ago I would have to pull the paperwork to get the details. How long do these guys continue to bother a person. They are getting no more money from me. I have gone through all of the sending letters, attorney generals office in Ok I believe it was. Do they ever quit?

Hi All,I am fairly new to this forum. I have been on the PDL forum but I got out of that trap, so now I am trying to handle bills I haven't paid!I was ready to make arrangements with the CA's but I have been doing some reading here, and now I am thinking maybe thats not the right thing to do????The three that I mention before have given me the letters stating I have 30 days to say if the debt is valid. How should I proceed???? I can't make payments to the OC anymore since I am assuming they have been sold.