MCM made first contact with me by phone a little over a week ago. I requested they send me a letter, which I received a couple of days ago. I've drafted a debt validation letter to them and will send out today. They continue to call and annoy me. I told the gentleman who called last night that I would be sending a DV letter. He then told me that it's past the 45 days that I can dispute and that I would have to provide THEM with proof that I didn't owe the debt! What?

I feel terrible about your situation, I wish I could help you but I am battling my own personal finances at the moment. Normally I would donate my points but I need every penny I can get my hands on at the moment. I feel so bad for you and want you to know you are in my prayers, I know that God will provide for you and your family. God bless.

Hi folks, My understanding is that payday lenders, or the collection agency they turn your account over to, cannot report your status to a traditional credit bureau. Is this true? I have defaulted several loans and am dealing with negotiations and settlements now. One lender's collection agency is listed on my credit report now. There is an option to dispute the listing. I was wondering if anyone has had any experience with this? And if yes, will the bureau acknoledge payday lenders as illegal institutions in NY state and take the listing off of my report? Thank you, Heather

Good morning!!!! I recieved two threatening messages on my phone from a company called Crime Prevention. Which is suppose to be Cash Center which is suppose to loan money. The guy that was threatening me is Mr. Johnson and his number is 646-461-3892 ext. 3737. This man has threaten me and telling me that he is going to send the local police to my home to arrest me for a $350.00 loan. This man has left me messages like, you have been writing bad checks (which I don;t own any checks) and Check fraud.

I have 10 credit cards. 8 are individual (my own) and two (2) are joint with my wife (40,000). I lost my job and am planning for bankrupsy (chapter 7). My wife makes less than 25,000 a year. Before doing the bankrupsy should my wife and I settle the 2 credit cards that are joint accounts? Should I say to the other credit cards (remaining 8 that I am filling for chapter 7?). Please advice.

Company: EZ PAYDAYCASH AMOUNT $520.00 STATE: NC AMOUNT PAID $400.00, I think. this is the situation, EZPAYDAY, is listed on my credit report. The charge off date was 12/10/2007. I found it when I found out someone was using my social, so I disputed it, because I wasn't sure what was mine and what wasn't. I know I did go through a phase when I was using payday loans just to get by. I need help, can they post this on my credit report if I didn't pay them back. I need this to come off, they have recently contacted me through email, telling me that I needed to pay them back.

Hello, I am new to this forum. I came across it on google search. I too am in need of getting out of the PDL cycle and need help. I don't know which are legal and which are not. I've listed my loans below. I live in Fl but my bank is still in MN so I am not able to walk in to talk to a branch manager to close my account and US Bank is not an easy bank to deal with. I'm scared and don't know what to do. Any help would be greatly appreciated! I have used all these PDL places before these outstanding ones and have paid off several times already.

Dear Members As you might be knowing one of our member (bea2ls) is going through a difficult phase. She needs all the help. Donating points to her is one way of helping her. If you have other ways to help her please go ahead.. Jason

E R Solutions keeps calling my home and leaving voice mails but the voice they use to say the name of the person they are looking for is mechanical and distorted, so you can't tell who they are calling for to call them back and say that person is not at this number. I have no debts nor does anyone who lives at this number. How do I get E R solutions to stop leaving these annoying voice mails?

Hello Nelly! Thanks for all your wonderful feedback and articles! My parents are in their retirement age and would like to consolidate all their credit card debts so a legimate company. They received information from Turning Point Debt Consolidation, but I do not trust them. I read people could really get into some bad debt when dealing with the wrong comapny. Is there a goverment website or somewhere i can find a good comapny in LA, CA? Any assistance would be soo appreciated!