Is it true that the creditor is REQUIRED by law to report a "settled account" as such and NOT as "agreed as paid"? I am forced to negotiate my debt to a settled status and am requesting that the creditors reflect it to the bureaus as "agreed as paid" but they are leaning on the law requiring that they cannot report as such. I am willing to chew up retirement to do the best I can and was concerned that "settled as agreed" was basically a signal to creditors that I am still not credit worthy hence why even bother paying it off with the only savings for my future I do have?

OK, so I closed my checking acct (made it deposit only) and I do have another one but read that loanpoint / geneve roth will attatch on to that one. How do they do that when it is with a totally differnt bank and I did not give that info?

I am filing bankruptcy and I just recently got married. My attorney is saying that i have to bring my new husbands paycheck stubs in and he has to include his debt. The debt that I am filing on is in my previous name and my new husband isn't on any of it. Why would he need this? My husband and I are questioning this. Why would my attorney need to include his income...all this debt is in my previous name. Can you please clarify more about this. Thanks. MJ

When settling should do only send your money by money order or is it safe to do check by phone?

Can anyone tell me if star cash processing or check n title or Loan Shop, or Cash Advance Network are these legal lenders in Texas ? If not what is my process to have them stop trying to debit my account and causing me NSF fees my bank says I cant close my accnt because its negative but this is because they would not allow me to close it initially because when I contacted them I had the ACH trans pending, PLEASE give me advice on what to do about these lenders or what letters to send them to stop the ACH" from being returned each payday generating fees from them and the bank for me.

Well........... after several attempts and several different people I got HSBC to make my account deposit only :) We will see what happens. I sent Loanpoint USA my letter to C&D - I only owe them 60.00 so I will see if they send me a letter. The next 4 aren't due until the end of April so I have some time on them and another bank account to close :( Please tell me this will work I am scared to death right now

is this a ligitimet service? They contacted my husband they also took his checking account number.

I live in maryand. I had an outstanding balane with Payday One and 2 payments have returned back in December. I have not heard from them. What should i do?

I received a phone call from a woman by the name of Karen Chapman from Florida (telephone number given to call was 904-253-3290) stating that I was being charged with two felony's relating for a payday loan that was in Maine. She said she was representing Cumberland County where I had been previously located (it was an online payday loan) she stated that I was going to be picked up by local authorities in the coming days and that bail was going to be 2800 for a 320 dollar payday loan.

Has anyone been able to get back the money Ameriloan took out?