Had a loan with Sovereign Advance. After I found this website, I wrote all the basic letters as advised on this website in regards to illegal loans, etc. I had already paid the $400 back that I had borrowed. So I sent the letters along with the cease and desist letters, and the stop ACH letter. tI did no good, for the next 2 weeks they did ACH withdrawls. I finally closed my bank account, sent them letters to refund my overpayment of $250, etc or close my account.

Good Morning, I just received a call from 716-478-4951 from someone named Daniel Desario from ACP which is a "litigation" firm out of New York. He said he was in the receipt of 2 complaints that are in his office and will soon be turned to the county. He didnt say where the complaints were from/for on the voicemail. After doing a search, I couldn't come up with anything on this ACP company-I searched the forums, and it looked like there was one other post from ACP-is this another bottom feeder? Just curious if anyone had any information on this company before I decided to call back.

Does anyone know if Spotloans is a legal lender in Illinois. On there website it gives a Illinois address but it's a PO BOX. but on the bottom of the website it reads, Spotloan℠ is a brand owned by BlueChip Financial, a tribally-owned entity organized under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian Tribe. BlueChip is located on and operates within the Tribe’s reservation. I searched the Licensees data base but no results.

Do I have to list my husbands VA disability in Chapter 13 income

Has the Credit Card Act helped to bring down the overall cost? Have the consumers really benefitted?

I am currently staying in a nice apartment in Haleyville, Alabama. I have paid off almost 70% of the mortgage. However, I have to drive for around 3 hours to reach my office. I'm very much tempted to sell my apartment and buy a new house in a better location. Is it a smart move? I will retire in 2014.

I have 5 credit cards. I owe $24,000 on the credit cards. I have stopped making payments on the credit cards since the last 2 years. I have set up a payment arrangement with a debt collection agency from Hartford, Alabama. I'm paying $30 to the collection agency for the last 1.5 years. In the meanwhile, I have saved $9,000. What should I do at this situation? Should I settle the debt? Should I file bankruptcy?

Here is a good reference for your state payday laws http://www.paydayloaninfo.org/state-information Also, if SJM marketing threatens you as they did me and hundreds of other consumers, report them to your State Attorney Generals office A.S.A.P

Does anyone know if any recent issue that caused MNE not to be able to debit my checking account for payment? $600 loan taken out in July, paid first payment of $180 no problem, then got the email below. It is not an issue with my account or bank, and when I call they say they cannot talk about it but the extended repayment plan is no longer an option (nevermind the contract I have that spells out the payments and dates) and they are now wanting payment in full or larger payments that we cannot do.

OMG have any of you seen this???? http://www.dallasnews.com/investigations/watchdog/20130824-watchdog-lawyers-will-no-longer-have-the-upper-hand-in-the-new-texas-small-claims-court-system.ece Basically in 'small claims' cases, which incidentally there are no more small claims courts, now it is justice court and A state law passed in 2011 makes it clear how the new consumer court is supposed to work: “The hearing is informal, with the sole objective being to dispense speedy justice between the parties,” the law states.