I could use some help on this one. My wife has a student loan through her college, and the loan is being serviced by ECSI. About 7 months ago we called to ensure they had out proper contact information, including our new address (we moved over a year ago) and phone numbers. Fast forward to last week and we get a letter from GRC. It turns out ECSI has not sent us any bills, did not call us, reported the late pays to the credit agencies, and basically hosed us. GRC is now handling collecting the account, and has added on $680 in fees to the $1500 original balance.

Does anyone have an email address for Payday Max? I have the phone and fax but I'd like to have an email.

do anyone know about if glendower financil sevice is real

If a collection agency is not registered to do business in the state they are trying to collect in, is this leagal

I do not know wht to do. I have Allied Interstate callind daily if not weekly on my cell phone and i don't even get a number on called ID, which i found strange. I'm irritated because i did defult my student loans but not on purpose. They switched my companies mutliple times and didn't contact me of change, not even a letter saying so. I one day recieved a past due bill of 1 year in re-payment and then interest. I tried to make contact explaining that i didn't graduate in that year, i graduated later but i recieved the run around.

I've read through many of the different forum threads in regards to the 1-2 punch but am still confused regarding how to deal with it after the initial 30 days. I've sent out DV's to the collection agencies and they have updated my credit reports to show the accounts are in dispute. I am still waiting on them to provide validation to me. I then disputed with the CRA's and one of the collection agencies have verified with them but have not sent me validation yet. Is this allowed? Can anyone advise me as to what letter to send them next.

I have a student loan, currently in default with a collection agency. Apparently the loan went straight from the lending agency to the collection agency so the department of education cannot help me at all, as they do not have my information on file. The collection agency has my loan in wage garnishment and is stating that without a $7,000.00 down payment they cannot get my loan out of wage garnishment. What can I do? I don't have that kind of money and I am living paycheck to paycheck as it is.

Like most of you hear I'm in way over my head. Just got off the phone with a jerk at Checksmart corporate and he refused my offer of 25.00 a paycheck, even though I only owe 260.00. He said they will hold me to my contract-whatever that threat means. Here is a list of my additional loans that I am unable to pay: Speedycash.com $575.00 247Greenstreett.com $345.00 Think Cash $1600.00 Advance America $260.00 Quik Cash 575.00 I was paying on some of them, but I don't have any money at all left to feed my kids or anything else so I gave up and closed my checking account as a last resort.

I live in Phoenix, AZ and received a letter in the mail over the weekend from a law firm with a Dismissal Without Prejudice attached. I do have an outstanding debt that I haven't paid, but I've never been served with a lawsuit. I check the county records and there is no lawsuit filed with my name on it. So how can they file a Dismissal Without Prejudice? Is this a scare tactic by the lawfirm?

Does national credit adjustors have the authority to collect a debt purchased from paydayloanyes (which is illegal in the state of ky)??