I was recently served a summons by CACH, L.L.C. I have filed a notice of appearance and paid the 183.00 to the courts. What happens or what should I do if I cannot make the court date? I have attempted to contact The Shindler Law Firm in Chicago but have not recieved any response.

Thank you for all you are doing on this forum. I have found a lot of helpful information here that I am hoping will help me escape a PDL trap that I have maintained for over four years. Based on the advice I found here, I am crafting my letters to revoke the ACH authorizations on my illegal lenders. I am pulling together all of the figures for the letters and for my visit to the bank to close my account. I would appreciate any guidance you can give me as I try to sort out a few issues. First, I live in Arizona.

does anybody know which payday loan company cashone.com is affiliated with? I haven't had a payday loan out in a few years but they keep calling me and I don't know why unless it's from an old loan from years ago.

How to you fight back even after you have hired an attorney and have used what little savings you had to pay the attorney and the court has allowed for a continuence on the case, to allow you to try to settle with this junk debt collector.Even though the debt was never validated. And this same debt collector has multiple complaints filed against him.

My car payment is 12 days late can ther finance company repossess my car. Also a recovery company contacted me yesterday to pick up the car. Can they do this?

I am retired, living on two small pensions and trying to become debt free. Half of my pension goes toward credit card debt but the rest is not quite enough to live on so I'm going backward. I have about $18,000 to pay off and very little savings left. Is consolidation a way to help me reduce my monthly payments?

I have read alot about trying to keep accounts from going to charge-off (or being sold to third partys if thats the same) in order to get better settlements. However, it seems to me that if a creditor "sells" the debt to a third party, then they can claim a loss, but CANNOT send you a 1099 since they haven't relieved you of the debt. The third party CANNOT send you a 1099 since they didn't really incur this debt (account). Does this make sense and/or is it true. If so, it seems that it may be better to settle with a third party than with CA even at a slightly higher %...

I have read alot about trying to keep accounts from going to charge-off (or being sold to third partys if thats the same) in order to get better settlements. However, it seems to me that if a creditor "sells" the debt to a third party, then they can claim a loss, but CANNOT send you a 1099 since they haven't relieved you of the debt. The third party CANNOT send you a 1099 since they didn't really incur this debt (account). Does this make sense and/or is it true. If so, it seems that it may be better to settle with a third party than with CA even at a slightly higher %...

how often are interest rates reduced? some cards are at 11% while another is 24%

I found this in the Texas Finance Code: ... An individual who disputes the accuracy of an item that is in a third-party debt collector's or credit bureau's file on the individual and that relates to a debt being collected by the third-party debt collector may notify in writing the third-party debt collector of the inaccuracy... Not later than the 30th day after the date a notice of inaccuracy is received, a third-party debt collector who initiates an investigation shall send a written statement to the individual....