Dear MBPROCESSING, My name is Jason Burk and It has come to my attention that payday lenders must be licensed by the state of New York in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $400 on 01/17/13, and have had 11 bi-weekly withdrawals of $120 debited from my account.

I have a credit card with an outstanding balance of $2500. The credit limit is $3000. I want to take out a credit card with zero percent interest rate. I want to transfer the balance to that card. I have applied for a balance transfer credit card. However, I got approved for only $500 credit limit. Why is it so? My boyfriend has applied for a balance transfer card too. But, she was approved for card with $1500 credit limit. Why is it so? Why should I do to improve my credit limit?

I have 5 unpaid medical bills. I haven't made any payments on the bills for the past 5 years. The bills have been assigned to a debt collection agency based in SELMA, Alabama. Strangely, the accounts have not been reported to my credit report. I don't know the exact reasons. Should I start making payments at this juncture, considering only 2 years are left to complete the 7 year period?

What's the way to know if someone is actually using my credit cards without my permission. What should I do if someone is using my credit cards? I live in TUSCALOOSA, Alabama.

My mother has passed away around 3 months ago. She had added me to all her credit cards. Now that she is no more alive, all her creditors are calling me for payments. Am I responsible for the payments? A debt collection agency from Vernon, Alabama called me yesterday. The collector is telling that I need to pay off all the debts. I'm still in college. What should I do in this situation?

good evening i have 3 pay day loans in the state of washington with online companies 1) Ameriloan 2) Green Picket 3) greatplains lending As i understand by reading through the forums is that these companies are not legal in the state of washington. Please help and give advise as what i need to do.

Do ACH Revocation and revoking wage garnishments work with debt collectiors such as TRS and National Credit Adjusters? How do I deal with these collection agencies wihere PDL sold the accounts? I will request the original contract. Do I need to worry about my credit report? Do these companies have right to file judgment? The phone calls just started today from NCA and TRS last week.

Is this a legitimate debt resolution company with actual attorneys? We seem to be getting the run around with them.

I am in a uphill battle with the irs. I was audited in 2005, I was told that because my 23 yr daughter lived with me that i wasnt allowed to pay her, i was to give her room room & board in exchange for her working($9000.00 i have to pay on). Although i use more than half of my home for business, i am only being allowed to use what they deyermined. My ex didnt report his unemployment for 3 years(unbeknowing to me) Im being held liable for that. I have had 4 agreements with the irs which defaults because i am barely able to keep up with everyday bills, payments to the irs & the city.

First of all, thank you to all of the experts here. You have helped me get rid of many illegal payday loans. However, I am still dealing with Western Sky/Cash Call. How do I try to have them removed from my credit report? Who do I contact and what do I say? Any help is appreciated, thank you. I live in NY.