I have about $35,000 in credit card debt and $2,600 in pay day loans. I am only working part time, I dont own a house but my husband and I have 3 cars that are paid off. He took a huge pay cut as well. I am wondering if I alone would qualify for chapter 7 and not include my husband

I recently sent a letter to Great Plains advising them they are illegal etc. (form letter posted on the website). Today i happened to answer the phone at my place of employment and Verifax was calling to supposedly update information. Once I questioned them about why they were doing this, they told me they were trying to verify info about me. I asked why and said its normal they do it for banks etc. What should i do now?

I was wondering if someone can tell me why unanswered threads are not showing up in post since last visit? I released one out of the spam filters this morning, that posted this morning.. went to post since last visit and it was not there - but it was in unanswered... Also, why did we get rid of the oldest / newest - it was useful to get around - instead of having to scroll and go to last to see what the latest response was all you had to do was hit the newest filter and it sorted for us..

This is an amazing sight. I am in the process of getting ready to submit C&D letter to Delbert aka Western Sky, & Plain Green. What about loans from other countries? Magnum Cash Advance (Cayman Islands) and Nationalpayday (Costa Rica) are both in another country. Can someone clarify for me please? Also I am unsure of the laws in AZ, I know PDLs are illegal.

I have paid the principal already I actually over paid this loan & 3 prior loans with them ,can I get a refund from the over paid interest On all the loans I have had with them and how if at all should I respond to the email? Here: Your correspondence has been directed to me for review. We are sorry you are not satisfied with your Plain Green Loan.

Any help would be appreciated.

I'm in collections with Fireside, Admin recovery is the collections agency. how do I approach them about only paying the amount of the loan and no fees? i'm in iowa

Again I am bringing up the requirements for winning question of the month. People show up here just to answer the question of the month...I have actually found the question posted on a monthly contest board. How many times as the reward gone unclaimed? In my opinion it should be rewarded to a contributing member, not someone who pops in here just to answer a question and never comes back again. There should be a membership requirement....maybe that they have a minimum membership time of 30-60 days and must have made maybe 5-10 posts.

Hi Mary You are the QOM Contest Winner for the month of August 2013. Please send us the necessary details (check mail) so that we can make the QOM payment.

Congrats on the WIN :)

Are all payday loans illegal in NYS?