A friend of mine has a brother who owes around $7,000 in credit card debt and another $35,000 in student loans. His brother honestly thinks that as long as he does not work ( he is unemployed and has been for about the last 4 years), and continues to have nothing in his name, then the collectors have 0 options as far as coming after him. His birth certificate and his social security number is all that exists on this clown. He says that even if they try and sue him, no judge can make him get a job, as it is not illegal to be unemployed.:confused: At the risk of sounding dumb, is he correct?

I want to apply for free counseling or quote. I just registered to become a member of this site. It now says I can't have free counseling because my email address already exists. I registered because I thought I was supposed to register before I tried to get free counseling. What to do?

Just some info for anyone out there dealing with this place. I have had a signature loan with them for several months. When the payment is due there is a 5 day grace period. I have always paid by the due date or within the grace period. This last time the payment was due I told the people at the store what day I would be in (it was within the grace period). Well when I was 1 day late (of the original due date-not the grace period or the day I said I would come in) they started calling my references and leaving 2-3 messages a day.

I have been dealing with payday-loan-yes for almost 3 months now. I took out a $350 loan, paid back $210 before I found out they were illegal. I closed my bank account, sent all the letters and they will not give me an address so I can send a money order for the remaining $140. They leave me voicemails but I will not call them back. I have sent them numerous letters via email and fax yet they keep calling. Today I sent an email then I got a call from their collection dept saying that the loan is valid because the governing laws are where the financial institution is located.

OK Thank for all the advice I have been getting regarding RJM/Wachovia COmplaint. 1st thing I did was send an Answer to the complaint to be filed with courthouse 2nd I sent a validation letter to the Atty whom is handling the RJM's acct. 3rd I send a copy of the answer I sent the courthouse to the atty handling the RJM account today I got a letter from the atty NOT validating the debt, only to say that since I do not live in the county they had sent to the summons to originally, they moved to have a change of venue to the county I live in now. NO court date, NO validation, NO nothing.

I have about $2800 on a Cap One card and they have already charged it off. I have been getting calls and letters from James A West and have receieved an settlement letter from James West for about 85% of the debt. I have my tax refund and am wanting to just settle this but I can't do it for 85%. I was hoping for at the MOST $1500. After reading a few things about James West I tried to work with Cap one rather than dealing with him but they only referred me to his number. Am I stuck dealing with James West? Anyone successfully negotiate a decent payoff with him?

I have about $2800 on a Capital one card that they have already charged off. I have been getting calls from James A West and have received a letter offering a settlement for about 85% of the debt. I did just get a tax refund and am prepared to pay this off but not that much...maybe up to $1500. After reading a little on hear about James A West I wasn't thrilled about working with them so I called Capital one and they just referred me to his phone number. What is my best option moving forward. Trying to work with James West? Trying to contact someone different at Capital One?

I live in arkansas and i have 5 payday loans. I have closed out my checking acocunt. What happens next? I talked with the attorney general in arkansas and he acknowledged that all of my loans were illegal and according to arkansas law this makes the principal and the interest null and void. Does anyone have any advice on what steps i should take next or how to handle things when the calls start coming? Thanks for any assistance!

Hey, I'm in panic mode. Credit cards 6 mths unpaid. I was very excited to find Freedom Debt Relief and thought my problems solved. After reading everything on this site, I realize that this is a bad idea. Several of my creditors, Discover and a collection agency have said that tomorrow Feb 26th , my acct goes to lawyers to get a judgment. What does this mean, really? Any advice is appreciated.

Many might be wondering what the debt settlement procedures are - everybody, share what you know!