is it better to tell them you aren't working and have no income even if you are and still can't afford to make the payments, or tell them that you have reduced income and can't make the payments? is there anything on the credit report that indicates employment so they know ahead of time just to see what you say?

I have a payday loan from yrs ago and i paid this company 150.00 and they are calling again saying due to me not paying right away I owe another 450.00 and they keep threatining me abou jail taking my kids. can they do any of this

i had several payday loans, i live in california but i believe the payday loans came from different cities that i got off the internet, i also had others from stores locally, are they both able to garnish my paycheck? i also changed my bank acct so they wouldnt deduct it anymore, i needed the loans so i wouldnt get kicked out of my apt.

I have no clue why this company has withdrawn money from my account. I have made payment arrangements to pay off all of my payday loans. They are all accounted for and I am frustrated because I just changed my debit account card 2 weeks ago.

Hi! Had someone ask how to change the name showing in the forum...showing her actual name. I looked but couldn't find how to do this...so...how do you do this?:):):)

I have a question. I opened my account in 2003 and the closing date was 2005. I recieved a call from a credit collection agent who told me that the credit card company was going to put a judgment against me and a lien against my house. The account is a open-end account (revolving credit) and the SOL is 3 years the collection agency say 5 years on open-end credit and everything that I have seen for the state is 3 years. What does this mean? Do I have a case on the collection agency for harrassment since they keep calling and threatening me with a judgment and lien against my house?

My husband took a small loan from the pdl company lakota cash. He received something in the mail today that this company is going to garnish his wages starting next friday (4/23/10) which is his next payday. This was a letter from his employer letting him know about the garnishment. My question is this... we currently live in North Carolina and I thought NC was a non garnishment state. Also we never received any kind of court order or judgement from any court for this garnishment. Is this legal? What can we do to stop this.

Does anyone know if bankruptcy "falls off" your credit report automatically or do you have to send a letter or something to the credit bureaus asking to have it taken off? It as been well over the 7-10 year time line for me and I just recently received a response on something that said they showed bankruptcy in my past credit history. I was assuming that it would not show up after the alloted time frame. Any info would be greatly appreciated. Thank you!

I just wanted to put this out there because I know it helps others going through it. We did a settlement with Citi at 30% last week and today just did a 30% settlement with Chase over 4 months on a $14,900 balance. We are about 115 days late. The only way we can even afford this is because we are getting a tax refund back. Just waiting on the letter but we just spoke to them. 2 down and 2 to go. I don't know if/when we will have the funds for the other ones but we will see.

bsides normal credit cards, what about the high interest short term loans. can they be negociated down