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When citing the laws for exempt property on Schedule C, how am I to list the laws I am citing? Should I use this format" 11 USC § 522 (d)(3)

I had a total of 3 PDl's, I closed my account in August 09 and now they are calling me and telling me that if I dont pay the loans back.. they will report my account to the credit bureau.Via this site, I was able to find out that PDL's are illegal in NJ and they are asking me to pay off the loan plus interest and not applying the money that was previously paid in fees. Can someone tell me what I can do.. I dont want this reported and I dont want to pay them anything more than what it owed. 450.00 loan i paid 310.00 450.00 loan i paid 310.00 900 loan i paid 270.00

I finally got the web site up for the Cyber Plant and Foto Planter that I am promoting! cyber-plant.com I need people from around the country to sell these two items to retail or wherever. The commission you can earn is very good and there is no cost or product to stock. Just get an order and get paid in paypal. It is not for everyone but if you like direct selling it could work for you! Email me if you are interested and I will give your the particulars! info @ cyber-plant.com

Hi, I have been reading the horror stories here and want mine to end before it gets worse. I live in FL, and have a loan with United Cash Loans (for $500, well over-paid) and Integrity Advance ($300, well over-paid). From what I have read here, both are illegal, and want to send the letters to them to get them to stop debiting money from my account, since I have already paid back the principal. I am going through the steps to close my bank account and would like for assistance with the letters I need to send.

Hello everyone. I started reading and learning from these boards about 2 months ago and have been trying to make a plan to get out of debt. Until this month I have been current on all my debt and was able to pay off 2 credit cards completely. What I have left is a condo I am short selling, a Citibank HELOC, 3 CCs and 1 installment loan.

I have 2 CC's with Capital one and 2 with Household, I have 1 with each at around a $1k and others are $3.5k. if I pay the ones off at $1k and not the others will they close the accounts? If I stop paying all but those 2, I can pay them off in 3 months, So at least 2 or the 6 CC won't be negative... ANy words of wisdom

We (along with alot of other states) had a pretty bad snowstorm on Wed. We got 16" of snow that day. I decided I didn't want to drive the 25 miles to work. But I wasn't alone in that decision, 37 others didn't want to either. But I also came down with a cold that same day. So thank god I didn't go to work. It ends up that I have an ear infection, a sinus infection and broncitus (sp??) But I got some good meds. today and I am starting to feel better :) But then on Thursday we recieved a summons for my son for court. He has to appear the Monday after Christmas.

I got a response to a DV letter that I sent to Messerli and Kramer. I was very disappointed that there is really no verification, but just a list of answers to my questions with nothing to back it up. What should I do next?

I had some medical issuses, that cost me my savings, But I will be on meds the rest of my life, I am current with my bills but everyone is raising their rates and 2 cards with 0% will go to 18.99% in two months... I now have about 250-350 a month left over, cut back on cable, phone and going out... ShoudlI call creditors and ask for a hardship and see what they do or stop paying and try and get some sort of settlement, they all add up to about $1100 a month

can you expound on this a little? "No validation? No payment. No way! No kidding!!" Also for anyone else who want to jump in. I see a lot about Payday Loans. I guess I missed one mistake I could have made because I dont have any, What are they?