I got a call from a Mike thomas with greenberg, weiss & assoc 1-877-711-7321 - are they a real law firm. this is about a payday loan from 2008 from mycashnow.

I have been served with a summons to appear from 1000 cash overnight in small claims court in my city in California. The court date is for 9/9/10. I verified the case with the county clerks office and they are suing me for breach of contract. I have checked the States lending laws and they are illegal. I have paid them 450.00 for a 300.00 loan before I stopped paying them. I contacted a consumer law attorney but he did not know anything about the payday lending laws of the state.

I'm looking for a few addresses so I can send letters out to these A-holes. Any help would be greatly appreciated. Thanks. Global Group Fox Enterprises

Has anyone had any luck settling with them. I am around 120 days late, with a $12k balance. I've been offering to settle for 1/3 with no luck at all.

Hello all, I have about $45,000 with Bank of America. The account has been charged off for 5 months. I finally am able to settle, but they want $15,000 and won't take less. Has anyone done better? I read on another thread that every account is "stamped" with a percentage amount and that number is firm. Someone also said that this number is changed every month, maybe on the 5th of each month. Is this true. I would love to take the $15,000 offer, but I can't afford it. The most I can afford is $10,000. Thank you!

Hello, So far i have followed all advice in this forum. I sent my ACH Revocation Letters and I have even sent C&D to a few collectors that have contacted me saying that they now own the debt. I am now getting emails from Recovery Departments such as the one listed below. Do I simply ignore these or do i respond to the? 3 of the company's sending this email i owe nothing to. Only one of them do I owe $100.00 to according to my state law. What should i do at this point?

I am trying to make arrangements with both of these companies, I got sick and missed a week of work so will have a hard time paying them back. I have already paid them the principal amount and then some but they won't let me speak to anyone in Collections until the acct actually goes into collections. I want them to just consider the loans Paid in full and no one will let me talk to collections. Any ideas what I can do?

Anyone here ever settled with Cavalry Portfolio Services??? I have a chargeoff that they now supposidly own (on my credit report at least). It's over $10,000 and I obviously don't have that kind of money. I was hoping to settle for 20-25% of the balance. I know they are a shady collector. Anyone recently settled with them? Thanks

I would really like to pay down my credit card debt and im wondering the best way to go about it. I would like to pay less than what I owe, if its possible, i've heard of the term "paid as agreed" and if that would be a good idea. I've never missed a payment and am currently paying the minimums each month, and I dont want to hurt my credit. Any suggestions?

Hi there I am trying to settle debts with these cards and I was wondering if anyone else has settle with them. .I have talked with Tribute with a 50% settlement, and Applied with a 70% settlement in a lump sum, which I don't have. I have settled my HSBC accounts for 40 and 30% of the balance owed and did them in 3 payments. I am afraid to call target and merrick. But the guy in india will not budge with the tribute. I am thinking of letting it go to collections. Any help would be appreciate on any experience you have had.