Have you ever made purchases or paid your bills online? Have you ever been a victim of online shopping fraud? Feel free to share your ideas on what’s the safest way to pay online and avoid frauds.

I have a number of credit cards and a shrinking paycheck. I do not have any late payments at all but would like to negotiate with the credit card companies now to settle the debt before I begin to have late payments. Does this put me in a better or worse negotiating position? Thank you.

Can anyone tell me if money2advance.com is legal or illegal in Florida>

Are there any legit payday loan consolidation companies out there?

Now, if I read that post title from someone else I wouldn't think to highly of them. That said... here is my situation in a nutshell. - Was having trouble paying on time for almost 2 years, once they jacked the interest to the max (31.9%!) it went from bad to worse. Nice 'thank you' for a customer of 10 years! - Right now, chase account is current. - Recently layed off, last month. - Got a small severance (which would be used for settlement). - Found another job, temporary, at less pay. They've made my life a living hell with the constant robo calls in the past.

Hi All, I received a summons via a lawyer for FIA Card Services on my Bank of America card.I decided to try and settle with the law office before it goes to court. The original balance is 14,000. They gave me a lump sum option as well as a 6 month option, none of which I can afford. They told me I can do monthly payments but it would have to be on the original amount. Does that make sense? Why can't they lower the amount? I don't want to pay the full 14,000. I'll be paying it forever. Should I just pay it or should I let it go to court and hope that they will be more understanding?

Now that's a blatant solicitation if ever I saw one. lol http://www.debtconsolidationcare.com/forums/member.php?u=226941

:eek: Hello, I received a phone call yesterday from an Atty named Gary Smith that told me that I had to pay 1085.00 or I would have charges pressed against me. I asked him what this was regarding, and of course, he said a payday loan that orginated back in 2008. I do admit, I did take out a loan from Magnum Cash Advance for 300.00 and now I owe 1085.00?? I asked him how much the original loan was, and he told me 766.00. I told him that I didn't take out a loan for that amount, and if he could send me the documentation on it. He declined to send me the info.

An Allied Interstae representative by the name of Steve constantly calls my home from 1-866-441-9576 asking for a relative whom doesn't live with me-i told him that the person he is looking for doesn't live with me and o stop calling here-after the representative was rude he called right back nopt once but 4 times in a row-being rude and vulger if i'm not mistaken--this is a lawsuit correct?

Hello all, I've been reading these forums for quite sometime and wish I would have found them sooner. I have found myself in trouble with PDLs and need some advice. I'm short about $500 for my some of my credit card bills this month. I really would not like to take ANOTHER PDL out for that, but might have no choice as late fees would probably cost way more than that.