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Wow, I just happened to log in again last night, I can't believe it's been over a year and a half! A LOT has happened in that time. New city( new State too!), new job, keeping very busy! I have met some VERY cool people through these fourms, and maybe we can get things rolling again! I can't be as active as I once was, but I'll continue to drop by and help out where I can. Hope everyone is well, Merry Christmis and best wished for a happy and prosperoous new year!

I am currently working on getting rid of my illegal PDL's, and everyday my e-mail inbox is full of PDL offers. Do not fall for them. Block them if you can. They are just trying to get your account information.

I expect there are many, like me who are just beginning the journey out of debt. I also see that some of the members have been down this road and are fairly well informed of the process. Has anyone tried to compile a list of the strategies that worked?

Professional Debt Consultants is in West Palm Beach, anyone talk or try them? tehy are TASC accredited I was trying to find a good company to work debt reduction with

Meridian Financial Services, Inc. This company is not a BBB Accredited Business. Based on BBB files, this business has a BBB rating of A-. Company Name: Meridian Financial Services, Inc. Company Address: 3140 Polaris Ave. #3 Las Vegas, NV 89102 Phone Number: (800) 956-9954 Incorporated: 6/23/2000 in NV

Landry & Jacobs, LLC 10211 N. 32nd Street Suite D-1 Phoenix, AZ 85028 Phone Number: (602) 923-7850 BBB Accreditation: This business is not a BBB Accredited Business BBB Rating : B-

I owe 21k on a BoA credit card and am past due 150 days. Received an 8k settlement offer in the mail two days ago. A fellow called tonight and we talked about the offer. I countered with 4k. He alluded that nothing is out of the question, while plainly indicating that he didnt thik it was enough. He went on to talk about government paybacks and blah blah blah... Then suggested that I look in to contacting a CCC. Consumer Credit Counselor. I am not sure what one is, and don't care. I have 4k set aside for this, and want them to take it and come down lower off of their 8k offer.

Oh dear, Wulf has escaped from the box again. That, or he's off his meds... I've got this fellow I'm helping via PM. He's got a CA (debt buyer) that either cannot or will not validate an in-stat debt (I suspect cannot). He inquired if I thought he oughtta try low-balling them on a settlement at some point. That got me to thinking (!). Given that the DB purchased this debt for peanuts (about $200, on $1800+ face) and can't validate to collect, what if he were to try to purchase the account for a lowball? Say three bills? The DB gets their investment back.

I seen an article that FDR of San Mateo,Ca gets high marks, But also seen of the BBB that NY is investagating them? anyone have more input

Hello All, I reside in CT and have a total of 6 pdls as follow My Cash Now over the last 7 years have borrowed 8577 dollars have paid back over 14000 Pay Day Loan Yes borrowed 350 have paid back 680 VIP Loan Shop borrowed 400 have paid back 360 CCS borrowed 300 have paid 75 Great Sky Cash borrowed 300 have not paid anything yet Lakota Cash borrowed 400 have not paid anything yet Per recommendations, I have closed my bank account and sent the following C and D letter via email to all from whom I have borrowed