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Got calls at work from a Sean Manning (Indian man with very strong accent - callback number 214-317-4575) claiming a lawsuit was being filed against my name and social security number.

I have a loan coming due on Friday from zip19.com for $900. $750 for the loan and $150 in fees. I keep getting reloans and have paid them a lot more than the $700. I know they are illegal in OH. I cannot afford to pay this on Friday. I cannot close my bank account yet. I'm planning on putting a stop pay on it until I can get my account closed next week. I'm wondering if they will keep trying to send it through or what they might do? Also, should i send my revoke ach letter before I do the stop pay? Any advice on how to handle this?

OK...I'm closing my account and trying to settle with these companies...I'm wondering how much they call and if they call your references?

If your home is underwater by at least 20%, I have a program that is not a loan modification. Credit is not an issue. We negotiate a principal reduction with your bank; purchase the note and give you a new loan at 95% of the CURRENT value of the home. Contact me for more details.

Had to slip away to do some top-secret consulting-type stuff for a couple of days. Anything of note happen?

Does anybody know any resources that help people manage money to pay off restitution owed to a state for a crime?There are almost no resources on this.

OK, I have too gotten into the horrible payday loan mess. Numerous causes, but no excuses simply foolish on my part. I have 3 internet payday loans which I know are illegal in AZ so I have written them cease and decist letters already and threatened to report them to the AAG's Office. My bigger concern is the 6 loans I currently have with store front lenders. I can no longer keep up with the interest payments and the payment plans are too expensive as they are more than the interest. Can I negotiate a monthly payment of $50 -100 dollars to each of them until they are paid off?

I live in CA and sent out a DV letter to URS for an AMEX debt within the 30 day window. What are my rights if they do not respond to the DV letter? Also AMEX sent a letter around the same time I received a letter from URS stating that the account had been transfered to URS. Yet I can still pay AMEX online if I want to. Is transfered some technical word that is a loophole for them to use? They refuse to talk to me about paying them back. SKR

This is a great site I have learned a lot from this site I saw the trouble I was in before my checking account went south so i closed it and opened another one at a different bank.I live in iowa, The fees I was paying on this loans was about 800 a paycheck which would leave me nothing to pay bills with.The trouble I am having with 6 out of 9 of these pdls is they tell me they dont accept mail in payments and 1 which is cash&dash saying( now flobrige) is going to talk to my employer I suppose to garnage wages.

Are there regulations on how a loan application denial letter is sent? I recently tried to get a car loan and the dealer applied to 7-8 places so I got one denial letter after another. All were in inconspicuous sealed envelopes except one. It was more like a flyer - the denial statement on a piece of paper folded in three & sealed with tape. When I got it out of the mail box I was a little annoyed to see the seal was already broken so my postman and others who handled this peice of mail could have easily seen this private & somewhat embarrassing information.