I have paid my mortgage late for the past year and a half. I have always paid it about 29 days late. With a recent loss of income I had to skip another payment, so on August 1st I will be 60 days late. I will have the money to pay 1 payment on the 30th which would mean that I would be technically never go to 60 days past due. Problem: I spoke with my mortgage company tonight and they informed me that they would not accept 1 payment on the 29th because "the law says that they are not allowed to take payments less than what would allow the account to be 30 days late" Does this make sense?

Hello all! I am soo glad I stumbled across this forum while looking for reviews on debt settlement companies. I would like to describe my situation and get some input if my expectations are reasonable. I currently have about $21k on three different Chase cards. I have fallen behind on my mortgage and foreclosure proceedings are probably imminent. I had been attempting a loan modification that was denied once and I am currently being reconsidered. My negotiator led me to believe that if anything is offered it will not be at a reduced rate.

Please can anybody tell me where and how to get in contact with this Beacon Loan place. I applied for a loan and I want to cancel, but no one answers the phone. Also is this loan company legal in Texas? Mrs. A

Hi everyone, Are payday loans from the Internet legal for residents of Hawaii? I checked all over and it seems they are unregulated in Hawaii. Then I called the Hawaii department of banking and the rep said payday lending is unregulated. So does that mean they are legal and nothing can be done about them?

I received a call today that was different(I have documented over 95 calls). They left a message that gave my name, who they were, the credit card company, who much I owe, and that they can work out a payment. I think this is against they law. Right? By the way, this is a great site. Thank you.

I want to consoild my debts my score is 594 which is terrible. What do i do if i have 3 or 4 of the same debt showing up on my credit report? Most are medical bills and needto start getting this done due to job.Some are charge offs do i pay them. Please someone help me.Tired of phone calls all the time .:hug:

I am new, but have been reading these forums all day. What a relief! I lost my full time job, and will need to negotiate with some pdl's very soon in regards to remaining balances due. I called the dept of banking and finance in Nebraska, and did find out that the internet payday loans I have are illegal. I don't want to "stiff" them, just want a decent rate to be able to pay them back. Does anyone have a "form" letter I can either email or fax them indicating that I do know they are not supposed to be lending in my state? Any help would be appreciated!

When you take out the loan is it in the contract already or do they have you sign a special wsection for it? I mistakenly emptied my trash/Personal and inbox that had the 3 PDL's contracts that I signed online....uhhhg. I have 3....one from collect500, another from loanpointusa and another from some company who's name escapes me? Anyone know if they automaticaLLY HAVE WAGE ASSIGNMENTS in their contracts? Also, if they do, I know I can send them a letter and a copy to my payroll, but how would I know what name to put on the letter when I send it to my payroll department?

I pay 1,714.18 two times a month in payday loan(3,428.36) Would a debit consolidation loan work fr me?

Solicitor? http://www.debtconsolidationcare.com/forums/member.php?u=227690