So I have a $8,000 credit card debt. URG is trying to collect and we settle for $2,000 with 12 month payments. I asked for the terms to be disclosed and they only tell me the terms over the phone. URG sent me a letter and it only shows the amount broken down to 12 payments. Should I refuse to proceed unless I have the terms on paper?

JUST WANTED TO KNOW IF I TOOK OUT LOANS IN GA, OVER THE INTERNET ARE THEY LEGAL AND DO I HAVE TO PAY THEM BACK?

Has any one heard of these guys, I got a letter today in the mail from them for a debt that was discharged in a BK.. telling me that they had purchased the debt, demanding that I not contact the former client named..I will be sending them a C&D next week via fax and CMRRR - not sure if the address is valid - it is out of Canada.. and the number listed when I dialed it comes up 1800 Dentist..

Need to know if the following online lenders are illegal in Ohio National - Payday loan 18886788567 West river cash 18888907700 Best choice 123 18005288066

So this morning I check my Mobiloans account where my payment of $185 was suppose to be processed (one payment of $90 and one payment of $95). Low and behold, the system processed double payments, meaning they took 2 $90 payments and 2 $95 payments! So far, my bank is only showing the original 2 payments of $90 and $95 for today. Hope the others don't show up Monday. I called support, only to find out "yeah, our systems are having problems today and are taking double payments". What a joke these people are!

I have 3 entries on my credit report. The entries are regarding a telephone bill. I have disputed the entries with credit bureaus. All the 3 entries have been verified. I am planning to send 623 dispute letter. Should I send the letter to the legal department of the telephone company? The telephone company is located somewhere in Redlands. Should I directly send the letter to the collection agency? I am confused. I did have a discussion with a representative of the telephone company. The representative can't even recognize the account.

How long does it take for the credit reports to show that we have paid off our debts? We are planning to buy a house somewhere in Suisun City, California. We wish to cut down the debt-to-income ratio in order to get lower rates on loans. My father-in-law has sold his house. We are thinking to pay off the debts with the sale proceeds. Will we see the change in the account status immediately? Do we have to wait for a month to see a change in the credit report?

My health condition is not at all good. I may have to retire soon. I owe $40,000 on credit cards. I will move to my son's house in Hermosa Beach, California after my retirement. Can the creditors garnish my SSN? I have around $10,000 in my checking account. Can the creditors touch that fund?

I'm trying to repair my credit. Hopefully, if everything gets right, then I will be able to buy a home in Sonora within 2 years. I have a few medical bills. I have incurred one medical bill from a hospital visit. The other one is from a doctor visit. The bills have sent to collection agencies. Should I negotiate with the collection agency or should I work with the hospital directly? Is it too late to approach the collection agency? approach the hospital or the collection agency

Here is their response, funny thing is if they do not do Payday Loans in SC why did they approve it: This is in response to your email below regarding your account. Please understand that there are indisputable facts with respect to your account with us: 1.You pro-actively sought out a loan with us. 2.With your signed permission, we deposited the funds into your bank account. During this process, you did not raise any objections to the validity of your loan. 3.We do not provide loan to customers in the state of South Carolina.