I have three outstanding payday loans. (cashnetUSA,paydayone and brighton fnl) I have been reading about the blocks you can put on your account to stop the ach debits. Yesterday I received several calls from "payday solution" companies. I did sign up with one called Blue ridge law group. They settle with my payday loan lenders and I make smaller payments over 6 months to pay them all off. Did I make a bad decision, it seems too good to be true. It was the only way I knew to get help. My loans total almost $2000.00 to payback after fees and interest.

If I am married filing as an individual, do I need to list personal property that is owned by my husband? We have separate accounts and he makes purchases with his money. I like in Indiana, which is not a community property state. If so, do I also need to list the $ in his accounts (I'm not a signer on them), his vehicles, 401K, etc. Also, on wearing apparel would I need to list his and my daughters?

There are various types of personal finance software available in the market. What according to you is the best personal finance software?

I need help. I lived in NC. I have 6 PDL. The following PDL info are below: I need help! Can they put you in jail? I was about to sign up for Langhorn to help. They told me that they have enrollment fee of $100.00 and then it would about $100 biweekly or $200.00 a month. I just closed my account the other day and my next ACH draft for 4 of these is this Friday, October 1, 2010. Any advice?

Can I consolidate debt that is in collection?

Palisades have called me 3 times, it is a computer message on my machine. Are they supposed to regard me personally...because they do not say who they are calling for, and this is a relatively new phone number for me. I am afraid to call them back, as I do not know of a debt I owe. I have not received anything from the people they collect for. Is there a way to find out if I have any debts without contacting Palisades?

hi everyone...I am so glad that I found your forum.... I have also gotten myself into this payday loan hell. I am so far behind now with my car payment and other bills, that i am even more worried about it all. has anyone had to deal with any of these internet PDL's? CMG Group LCC Advancemetodau ezpaydaycash Nationwidecash PayDayMax these are the ones that was able to get loans from when I was broke from another company taking out there fees. I get paid bi-weekly and I cant even look forward to getting paid because I know that they will take out most of my paycheck.

Those of you that mailed the revocation letter and cease and desist to zip 19, how did you handle the fact that they are located out of the country? They are in Malta, so how do you verify receipt? According to USPS.com the postal service doesn't offer certified mail for international mailings. Thanks!

I had a payday on-line loan with summitt group llc back in 04/2009. I got injured and broke my leg which i was off of work with no pay for a year so i could not pay the loan back fully. I am back to work part-time now and has been contacted and threatin with jail time. A woman has been calling me non-stop from a company called allstate litigation. she told me that i will be served a summons by a process server and i may face jail time for writing a bad check. i advised her of my situation and that i could make payment arrangments with the company summitt.

Hi All, Can you all help me to come out of this situation? I'm getting threatening calls from the lenders everyday. They threaten to garnish my wages by contacting my HR department. I don't know why I took the loans from Cashnet USA borrowed $300 and paid back $ 310, Pay Day One borrowed $350 and paid back $ 500, CMG borrowed $200 and paid back something around $ 800. CMG says that I still owe them $250 and calls me all the time. I asked CashNet for a payment arrangement but they refused. I am in the state of South Carolina. How can I get out of this cycle? I am tired of their tantrums.