I took out an $800 "open line of credit" account with Allied Cash Advance in Virginia more than a year ago. I paid $40 on the principal but didn't pay it off within 30 days, so late fees and interest of 360% has been piling up. Allied now wants more than $3K and has offered to stop the late fees/interest if I agree to pay $300/month for 10 months. That's impossible for me, but I talked to corporate and offered to pay $1,000 in a lump sum by the end of the year if that would be accepted as payment in full (thinking, maybe I can get this from family/friends).

Well with help from this site I have taken back control of my bank account. I have payment arrangements in my budget with all lenders but one. A little info I live in Missouri. I have a pdl that I can't seem to get to work with me. They are Atlas Money Online. I borrowed 300.00 from them and now owe 567.50. I have sent certified mail to them the c&d as well as the revoke of wage assignment and I gave this to my payroll dept as well. I have filed complaints with the ftc, my ag, and the bbb. They refuse to listen to me.

I called their number and informed them in no uncertain terms that they were to immediately take my number off their automated calling list and never ever call it again, or a lawsuit would follow... In terms that were not exactly that polite! I suggest that everyone do the same on a daily basis. Let's jam up their phone system the same way they jam up ours...

do i contact palisades collection if they still show 120 days late on my credit report. It was paid last year.

Well folks, its been more than a little crazy lately.... Work slowed a bit. Some of our customers didnt pay us when the contracts were completed. And now, cancer has become a member of our family again. I will still be dropping in, but I might not be posting as much for a little while. I am not leaving, but things are such a mess right now that I need to focus on trying to keep from losing our house to the bank and my mind to everything else. Oh, and if anyone has any legitimate ways to earn extra money, please let me know.

I got the same phone call. And I almost had a breakdown. I see that this has happened to other people. What should I do? The scary thing is THEY HAD ALL OF MY INFORMATION!!! information. My account number, my social security number!!! WHAT CAN I DO?!?!?!?

I visited my bank today and they said they can close my account but can't do anything about the ACH's forcing it back open. Supposedly a "new law". I went round and round with them at the branch and their fraud department over the phone and they won't do anything. They will allow the account to go negative $500 before they stop sending every ACH transaction back. They stated they can only try to get the money back once it's cleared the account and then pursue them from there.

I hate BOA...Here's our story: we had a payment agreement with them that has been going on for about two years. My husband is a teacher, and due to loss of his other income, we knew we'd have trouble with the automatic deductions during the summer months. We decided to be proactive and called BOA. They halted the payments and said they would pick up again in September, but we'd still have to catch up with the payments we missed. We said we'd do that as we were able. They were most cooperative and reminded us that the payment deductions would resume in September.

I love this site www.debtconsolidationcare.com. Lot of great information. I am Tech guy. I have been a Desktop Technician since 1997 but have tons of other interests. In my spare time... Oh, wait I don't have any of that (just kidding). Anyways, I have been aware of this website for quite some time and decided to join the community and contribute as well as learn a lot from others. I am excited to get started on the forum and am looking forward to a great journey together. Lots of potential friends and I look forward to meeting many online.

So after all of the inspiration I have found here reading stories I have decided to try and settle my credit card debt myself. I will update here how things progress. So here is my situation.... I have two houses. A rental that is waayyyy upside down. I haven't paid the mortgage since Feb 10 and they have only called me once... in May. So we apparently are not on thier radar. Mortage os BOA. I also have a credit line on the home with a credit union. Now they call me all the time but we just run a little behind and then pay the minimum just to keep them off our back.