I am working with a PDL Restructuring Company called Relief, LLC. Since I paid them and gave them all my details I discovered, through this forum, that PDL's are prohibited in NJ. My account rep hasn't mentioned this to me, yet. When I emailed and asked if they were aware of this they said yes, they did and my negotiator takes that into account when structuring my payments. My question is- shouldn't they also know that if I have internet loans which are prohibited in NJ, I should only be responsible to pay the principal and not the ridiculous fees?

I have a citibussiness credit line secured personally for 50,000 since 1997 have always paid on time and lost bussiness in 2006 but still continued to pay interest this past month they called the loan with principal in and cannot afford this going thru hardship filed for loan modifacation on my house and now this .... would they settle for less since it is secured and i can get little money from family to clear the debt ? please help

My wife and I have too much credit card debt. We recently paid off a major bill, so have an extra few $$ each month. We have been paying large amounts on our credit cards, however when we got over our limit (due to high interest charges), now 2 or 3 of our major credit cards are now charging us 30% each month, makikng it almost impossible to pay down the amount we owe, despite large payments each month. We did a bankruptcy 6 years ago, and wrote off credit cards then.

my 83 year old has somehow gotten hooked up with hanna & ass. he has dementia & has already given noteworldservice (in cahoots w/hanna $308.20 last month) what do I do?

why is the debt hardship only a year -- my family hasn't seen any upside and I want to pay but where is the help for the little people. Banks made good...why can't that come back and help us?

I had a collection agency call and state that I owed 444.40 to a National Payday Loan.com loan that was taken out in August of 2009. I cannot find any contact information on this National Payday Loan.com and I do not wish to deal with the collection agency. I want the debt verified before I agree to anything or own up to any sort of debt. Does anyone have any contact information for this online lender?

I received a call from a Justin at LRA... he actually called my old employer and a friend relayed the message to me. He stated that I owed $444.13 on an internet payday loan that I took out in August of 2009 with National Payday Loans. I have not received ANY written notices about this matter and they have a BBB rating of F. I want to send a C&D letter, as well as a DV letter. I tried to fax the C&D letter last night but the fax told me that number was not valid. I honestly have no idea if I ever paid back the loan with National Payday Loans.

:mad:They say the account is with third party!Have to go thru third party to settle,I don't owe third party I owe Amx!! Has anyone been thru this process before? TIA :confused:

I live in Illinois. Thought I took out a PDL, but it was a high interest installment loan at a payday loan place. Now, I can barely pay the interest each month, let alone anything extra towards the principle, because my child-support just went from $725 per month to $215 per month due to my ex's unemployment. If this were a PDL I could request an interest free repayment plan after 35 days. I can't find any clear indication on if I have any similar rights w/high interest installment loan in IL. Does anybody know where I could find information?

sent me a letter theya re going to take me to court for 430 for a payday loan they are trying to collection.. what do I DO NOW.Iknow I over paid them