Minnesota. I have 3 different types and the fees and interest are killing me. First is Universal lenders 2500 1 year payments I am have way through with about 1400 left. Online paydayloantoday.com $500 fee is $87 per month Store front. Pay off each pay period. Fee is $120 per pay period. amount loaned is $700 The online one is illegal, i know that. I also think the other two aren't following Minnesota guidelines because of interest. What do I do. I was thinking about entering a debt management plan that is local in my area to help resolve these. The fees are killing me.

Jason,this might be picky, but is there any way we could get advance notice before the site is taken down for maintenance? I wanted to be on the site yesterday,but it was down.Just sayin....

Plaingreen reporting delinquent on my credit report. I disputed it and explained they are an illegal lender but trans union will not take it off my report saying debt is confirmed. Is there anything else i can do? thanks!

Can't pay everything - considering defaulting on credit cards - how long do I normally have before they try to sue? Can anyone recommend a good debt consolidation or debt management company that is on the up and up without huge fees.. cause obviously if I can't cover all the payments - I can't handle additional fees.

In April 2008 Amex won a judgement against me for a debt of $16,000 with an accruing interest of 29% (outside what's allowable in the state of CO). I discovered this judgment through the attempt to sell my condo I purchased in 2005 (been renting it out for 6 yrs) as they have attached a lien to it. In the time since the judgment the debt has escalated to $43,000+ with interest and attorney fees, etc. There is absolutely no way I can pay this amount off, no savings of that nature, no retirement I could borrow from, too much overhead to save that amount of money.

Leave a voice mail telling me they have attempted to contact me numerous times, and that time is running out. I just finally took one of their calls and it appears it is for a PDL from sovereign advance or GetCash USA/Texas, but I have paid both of them back principal+ I told them to send me something to the address on file, as I have never received anything in writing from them since I notified them with the C& D letter about 6 months ago. Any other words of wisdom?

I've been a lurker here for years! Sorry for the long post. And Yes, only partially thought out here or more like that of a typed out rambling, but it is brought on by looking at the numerous complaints I see online with reverse look up sites, forums, blogs, and even news posts regarding Fake Debt Collectors and Rogue Debt Collectors. Of course a high number of these relate to Payday loans. If as an online community, we were to approach our Law Makers, CFPB, FTC, NACA, etc.

Has anyone dealt with Maxlend? So far I have paid over 600 dollars on a 350 dollar loan.

I just checked my credit report and see that a place called Enhanced Acquisitions has placed a collections on my report for 420.00. I do not know who they are or what the collection is for. If someone can tell me if they know about them that would help. Thanks, Dhl

Hello everybody. it has been a while since I have been very active. its great to see some old friend, as well as others who have picked up the torch! Congrats to all the "new" moderators. I have changed jobs and locations (twice) and gotten my financial situation in much better shape. There may be at least one more change coming in the next year or so if things work out (same company, just a now job back in New Mexico, where I would rather be.) I am helping out a friend who had a question about dealing with Chexsystems.