I wanted to know if some one has worked with Liberty Credit Law and what their experience was. Thanks

Is this a real diploma, one that I can use at a college?

Here is my situation. I lost my job back in July of 2008. I am now a substitute teacher which is a contract employee position. I am not guaranteed work nor do I receive benefits of any kind. I am in my second year of substitute teaching. I bring in an average of 500 dollars a month. If I am fortunate enough to earn "extra," it goes towards bills from previous months. I do not get paid for holidays, either. I currently owe Capital One about $1700. I started getting calls from collections back in February. They were really horrible. They told me I needed to make a payment of at least $100.

Would it be better to post a question here or in the collection agency forum? I had several questions, but contained them within one thread in the other forum, but I don't know if anyone is seeing my thread or if everyone is just busy getting ready for the weekend. It's the thread about needing help filling out papers.

$300 with United Cash Advance - paying $90 every 2 weeks since Sept. $300 with SSM (Don't know how I got this one) - paying $90 every 2 weeks since Sept. $500 with East Side Lenders - paying $150/check since December. I spoke with my bank and they are relunctant to stop paying these, I think they are afraid I'm trying to get out of a legitimate loan payment. Can anyone help? I'm already into these loans for about 4 times what they loaned me and I need it to stop. I called my states (PA) Department of Banking and they basically said I'm screwed.

I have been paying on a credit card that had an original balance of $1100.00 I now owe $2,127.00. I have been paying every month at a rate agreed upon several years ago. Orchard Bank had agreed to close the account so I could pay it off. But they continued to charge interest, then over the limit and then late fees even though my payment was received 15 days before the due date. Last month they refused payment and sold the account to MCM. I have paid over $4,000.00 over the past 7 years on this original balance, getting nowhere.

Hi :) I am originally from California, just recently moved to Indiana...... I have 2 internet pdl's ... one for $1000 from national payday and one for $298 from Cash central.....actual amounts deposited to my acct were $800 from national payday and $255 from Cash Central......I have been paying the $200 bi weekl:confused:y interest on the national payday one for a few months now.... I looked up laws ( from one of your other posts) and California laws do not permit more than one and they can only be for $300???

I received a loan of $350 and my checking account was compromised (thats another issue altogether)...I faxed them (pay day loan yes.com) to make them aware of my intent to close the account because money was stolen from my checking account..and that I wanted to make payment arrangements to settle...they call me incessantly saying they are going to sue me if I don't call back today...are they legal in Florida? Help!1 DJ

Hi :) I am originally from California, just recently moved to Indiana...... I have 2 internet pdl's ... one for $1000 from national payday and one for $298 from Cash central.....actual amounts deposited to my acct were $800 from national payday and $255 from Cash Central......I have been paying the $200 bi weekly interest on the national payday one for a few months now.... I looked up laws ( from one of your other posts) and California laws do not permit more than one and they can only be for $300??? I also checked the license through a site you posted and could not find it......

I just got a copy in the mail of what looks like a Garnishment summons. It is dated 3/29/10. Midland Funding is listed as the creditor. I just paid off a settlement to them on 3/1/10. Also, this was sent to my former employer. I have been disabled and out of work for going on two years. The only income I get is a disability check. Is this legal? Also, I have tried to cal the Virginia Beach, Va # all morning and cannot get anyone to answer the phone. How can I get this straight.