My wife and I have a total of five of these loans and its killing us. Can we both consilidate to one payment?

any good payday loan consolidation companies

Are their any regulations that require these debt collectors to do extreme due diligence to make sure they are contacting the right person. I get constant calls for someone with the same name that does not pay their debts and I have to deal with the call. I have asked for removal and still get calls. Can I bill them for my time?

Are their any regulations that require these debt collectors to do extreme due diligence to make sure they are contacting the right person. I get constant calls for someone with the same name that does not pay their debts and I have to deal with the call. I have asked for removal and still get calls. Can I bill them for my time?

Quick history: - had been current, minimum payments only, never late on all cc's - in May, lost one of my jobs & spouse' hours/pay rate cut significantly and could no longer afford payments to all cc's so we stopped paying 4 largest cards - have since been taking calls from Chase & Citi (2 accounts each) about every 2 weeks - one Citi card offered written settlement after 60 days for 60%, countered in writing with 25%, no response, no offers verbal or written since -Chase offered similar over the phone, but too high for us to consider -yesterday received phone message from Zwicker & Assoc

how do I find out which companies are legal in my state of Tx

i have no job, no money coming in and i have filed for food stamps and approved. i have no means of paying anyone anything.

how to get help with payday loans in tx

I defaulted on a payday loan...I closed the account it was coming out of and they tried to take the funds to take another payment and therefore was sent back to them. I have not recieved a call until today at my work. I was harrased me the guy on the phone telling me if I did not pay today then he was going to send a deputy to my work to have me arrested. He said he was a invest & worked for Addison Patrick out of Duval FL. The company that he was was requestin the money was knox ventures which I don't recall tht even being on.

Do we get unemployment even though we are not fired?