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Ok well a few weeks back I overdrew my HSBC checking account for I think around $4.00 or something like that and this was between two seperate transactions so when it was all said and done I was at -$78. I had already used my other checking account to pay off my other bills for the week and didn't have the cash. Next thing you know my account is up to -$240 something since I didn't pay it off right away. Now HSBC has closed my account. What am I supposed to do? I got things in the mail saying I owe this money and I don't have it.

I owe money to BOA,Discover and Capital One. I can't keep up , medical issuses and loss of hours making it tough! I called Freedom Debt relief and they should me a plan, but almost 60% of the money the 1st 2 years goes to them which means I will be a year and half behind on payments, thats almost 5k I could use if I did it myself! Do they make such a difference or should I just try it out myself which seems to be how most people here do it! I know not to pay anything until I get the settlement in writing

Hi Everyone, I just want to say that this website lets me see the light at the end of the tunnel! I currently have 5 Payday loans from all internet companies and have been browsing the forum and have not seen any in relation to Wisconsin law. I am fixing to close my bank account and get on the path to financial recovery as currently the PDLs are taking most of my weekly paycheck when i need it to pay for essentials.

OK....I messed up here. I'm on a shoestring budget so I ignored a past due medical bill. I couldn't pay in full, which they insisted on, so no payments were made. Now they are suing me. I don't want a judgement on my credit report so I'm prepared to settle with them & pay up. But what are my options in doing so? The first court date is set for 1-6.

I am working on my illegal loans now, and I have been receiving several calls that are blocked or unknown. I do not answer them. I think they are probly from Norstar, Unitedcashloans, or Oneclickcash. Do I continue to e-mail these people my letter stating they are illegal and I will only settle with them paying the prinipal amount? Or do I just leave it be. the other 3 lenders have gotten ahold of me through e-mail and 2 have settled, one is going to be mad cause I want a PIF from them. My work did say some unknown number called several times today asking for me and would hang up.

I too was surprised to see that lalibco has not been sued. My husband and I have had a total of four experiences with them. The charges range from 29.34 to (I hope you are sitting down) $ 10,745.32. These poeple aren't just criminals, they are crazy. I couldn't even print that kind of money in my basement. I have filed a complaint with the state attorney general. I would love to organize a class action suit against CRB, but I have no idea how to do it or where to start. I have been in colections myself for over eight years and I know that they are breaking ALL kinds of laws.

Just got a big pay cut can't make min payments now, I have 50k in CC debt, called several compaines and they want about 6k split over 3 years to handle my problem, or can i do it my self and pay off faster

So I find myself with 234K of unsecured CC debt spread over 20 accounts. Presently all but one, Cap 1 are current according to the deals I made with them. Chapt 7 looks like a loosing proposition as I may have too many personbel assets. Per this forum 13 doent seem worthwhile. I dont see myself being able to keep my comittmets over the winter, slow buisiness season in an already slow business.

I got a call from an Integrity Invesigative Solutions, 866-571-7616...the voicemail stated that there was a claim against me for a civil suit and to call these investigators...that was in the message... I call back and they claim it was for Cash Advance Networks. They say they need me to fax over documentation so that they can 'inform the attorneys' that this matter was closed, and that they would put a hold for 24-48 hours. They transferred me from an investigator to an arbitrator....it all seemed fishy. they mentioned that this matter had been with several collection agencies.

So I posted that I plan on sending them a refund request pretty much everyday as I over paid but close to $1200 and this is the response I got today. We are sorry to hear you have not been satisfied with your experience with PDL Ventures. We have reviewed your account and we are willing to settle with what has been paid. Your account has been marked as settled. Please let us know if you have any questions. So my account is marked settled ... ya think..... :eek: