How much does it cost to have a debt counselor help in a situation ?

what if your ex-wife forged your name for the credit application and made all the charges without me knowing and now they are suing me?

I am so stuck in the PDL loan mess, kept getting them to cover the fees I was spending from my paycheck every two weeks just so I could make my bills. I am in over my head. I called a consumer credit counsiling business but they do not deal with payday loans. I have no idea where to start and what to do. My account is in the negative, calls daily demanding money, calling all my references three times a day. I am at my ropes end. I honestly can't take this anymore.

Has anybody heard of Megan Lundy? She states that she is from Johnson, Freeman frim. She represents ?Paragon bmg group. She states that I took out a loan in june of 09 for 510. That is a wired amount. She states that she is in process of getting a summons. Can she do this. Her contact number is 877-495-3750. I closed the savings account back in 09 because I didn't like the bank. What should I do?

I have a charged off macy's account that has been bought by ACB American. Abnout two weeks ago I sent a validation request. Spoke with them yesterday and they said yes they can validate, but that will take about 6 weeks and after that they will not settle for less than 100% (I don't believe them), but they did offer me a settlement today for 50%. I know I owe this and the account number is correct, so chances are they will be able to validate it. Should I just go ahead and settle the account, or should I wait until they validate it and call their bluff.

I have 5 old Medical bills that I can pay off, and have a check covering the total of each listing. The issue is, I have other debts with this collection agency that I am contesting.

Over a year ago I sent my cease and desist letters to payday loans that were illegal and I had paid over the principle. I live in Minnesota. Now a couple have surfaced again like quickest-cash-advance demanding payment from there collection agency lighthouse recovery assoc. threatening to sent to their attornet Powell lawfirm. Do I have to keep sending these cease and desist letters. Do they get to disregard these after a year or so. Do I need to keep sending a debt validation letter even if I did over a year ago?:-x

I have been paying on 5 payday loans and can no longer keep up. After luckily finding this site I decided enough is enough. I closed my bank account 3 days ago and decided to resolve this with the info given on this site. My loans are all internet loans, I live in ohio. They are as follows: sure advance: borrowed: 500 owe 610, paid 550 so far.

I recently got paydayone to agree to an EPP. I am in the process of trying to resolve other outstanding payday loans which are illegal in my state. I have closed my bank account that the payments to pd1 where being drawn from. My problem is that I have made the first 2 payments however I simply don't have the money to make a payment that was due 2 days ago. It was between paying that or my house payment. They had told me they will not budge on the payments when I initially agreed. What course of action should i take? Is this a matter they will send to collections?

My creditors secured a wage garnishment order in September 2010. So, my boss garnished my first paycheck. But in October 2010, I filed Chapter 7 bankruptcy. So, logically he should not garnish my paycheck anymore. But my employer garnished my second paycheck also. Can he do so?