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I defaulted on a payday loan and they sent me an email saying that my "Bad Check", (It was an online, ACH Transaction) had been reported to Contribution, a service of SCAN, and that I wouldn't be able to write checks at major retailers like Wal-Mart. Is that true?

I got a call from Creditors Interchange in Nov, telling me that if I didn't pay $1900 in a week, I would be served papers and go to jail. I was scared and panicked, gave them too much information, but stopped payment to the check before it was supposed to go through. They put it through anyway and my check bounced. I've called my bank and straightened it out on their end, but now I'm getting threatening calls at home and work, during evening hours and on weekends. The CA wants me to call him today or else, he told me last night at work (after four calls in a row. Yikes!).

I applied for a credit card online with TDBank - just got the card but I'm not satisfied with the interest rate. im wondering a few things now - you think they would be willing to lower the interest rate? if i were to cancel the card prior to use how would that effect my credit, and how would i ensure they actually canceled the card so it doesnt come back to bite me? thanks for any help in advance

A Bright 'N' Merry Christmas.. [FONT=Comic Sans MS][COLOR=Black] A Magical 'N' Delightful New Year..[/COLOR][/FONT] [RIGHT]Peace, Joy 'N' Hope .. [/RIGHT]

Keep getting calls from collectors What is the standard time for calling?

"God does not care about our mathematical difficulties. He integrates empirically." - Albert Einstein ! What do you think ?

Hi, I need assistance in consolidating my debt. I'm currently 3 months behind on a rental property due to the fact that a tenant moved out leaving no payments for 2 months and she having lived in it for another 2 months thus having exhausted my savings. It's currently being rented for 2200 however my payments are 2800 a month. My condo payment is 2200 a month.

I am in Massachusetts. My friend had his car repoed over 5 years ago, it was a lease. He is trying to tell me the SOL is 6 years and he can be sued on it still. I told him it does not fall under a written contract, 6 year statute, and that it falls under UCC filings in our state. For a UCC filing and a lease the SOL is 4 years. Am I correct in thinking this??

Ok - so I have a PDL for $500 through MyCashNow that I haven't paid anything on at all, I am in PA and I have about 12 PDLs - so I was not able to pay anything on this and it went deliquent. I closed my bank account already, sent out letters - everything this site instructed to do. This PDL went to a third party collection agency called Professional Debt Mediation and they sent me a notice that I now owe $1000.00. I sent them a Debt Validation letter and they just sent me back my original loan agreement with MyCashNow showing that I borrowed $500 = plus a $73 fee.

I've read on here several people talk about national/online banks that don't use or ignore Chexsystems, so what are some of these banks?