Hello, I am trying to help out my son, a college student, who took out a loan for $100 about 4 months ago. He does not even remember the name of the company that he got the loan from, but from reading this forum I am assuming that it is some kind of PDL company. He did not sign any paperwork and does not have any e-mails from them! The company told him that he would have to pay them $150 to settle the debt. He is having $30 withdrawn from his checking account twice a month and has now paid them $240!

They are all Internet Loans and I want to pay them back, I just can't do it in their time frame. CashNetUSA 1700.00 Integrity Advance 350.00 Loan Point USA 400 CashAdvanceNetwork 400 One Click Cash 400 MyCashNow 900 None of these include interest and fees. I am current on all of them. I live in Texas. I could really use some advice on what to do.

Yesterday, the phone rang and my g/f picked up and there was a robo person that said "if you would like to take this call press 1, She pressed 1 waited a bit then can here someone picked up the line. The woman asked is XXXX there? She said no I am sorry he is not home. The woman the continued and said Can you please have him call Attorney Howard Lee Shiff at whatever the phone number was. She said I will do that. Click. On the caller ID the number was from "privacy manager". This attorney consistantly calls leaving messages, This call is for XXXXX, if you are not XXXX please hang up.

This is a plea for an angel of mercy to guide me in the right direction. i am your perfect candidate to become a payday loan junkie. I did my first payday loan in 1997 when my daughter in college lost her scholarship. They become an addiction. A solution. But not for long. I always found a way to pay. Paid all off in 2007 from insurance proceeds. Had $5400 more by 2009. Paid them all off. Now, I have 12, and owe $11,500. I have paid think cash for almost a year and because i have missed payments I owe them more than what I borrowed. I woke up this week when I almost lost my car.

how does your program work? do you pay the creditors monthly or do you build up the money first then pay them off?

I read some place that they can include in their loan agreements mandatory arbitration clauses, agreements not to participate in class action lawsuits, and agreements not to file for bankruptcy. Others ask you agree to wage garnishment in the event of non-payment. Would these hold up in court or if they approached your job?

Recieved a letter if I dont pay atleast min payment (5 months late) they will turn over to lawyer and sue.... Is this something they normal due right away ot do I have more time to work something out

Every week the company calls my home for a Juan Diaz, I have told them there is no Juan Diaz who has ever lived here. The calls continue. What can I do CONTACT INFORMATION REMOVED

So after 13 months of endless paperwork and phone calls, I received a HAMP modification from WF today. Guess what??? They increased the balance (by $30k), they increased the duration of the mortgage (by several years) and YES, YOU GUESSED IT....They increased the payment by $200/mo. Awesome, huh? Well, as they told me, it is very expensive to have a law firm put you in and take you out of foreclosure for a year and we had to attach those costs to your account. What a freaking joke.

I have been thinking to do debt consolidation as a business and would like to know if anyone can tell me where I can obtain a license to do so in the state of California?