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One more question, as I realized that one of my loans my be illegal in my home state, I was wondering if contacting the original lender with a CD letter and proposed payment plan may return it from the collection agency to the original lender? I know it might sound naive and certainly a longshot, but can it hurt anything? I am dealing with Alliance Asset Management and GECC (Cash Direct Express).

Does anyone have any dealings with ExpressCashStore.com? I have a loan due with them and had a payment of $140 set to debit this morning. I got paid this morning so I knew the money would be there. I received an e-mail at 9am that said my payment was returned by my bank for NSF's and to contact them to get my account out of collections. I checked my bank account online and saw no pending transactions or NSF's. I then called the bank who confirmed that no payments had been submitted and that I had no NSF's. At this point, I called ExpressCashStore but was unable to reach anyone.

My account with them was recently turned over to Alliance Asset Management and I am trying to determine how to deal with them. Thank you.

As many of you, I have also been victimized by ACE cash service. $300.00 was deposited into my account without my consent. Had no knowledge of it until $90.00 withdrawls started to appear on my checking account. Customer service reps are of no help. Stated I came to them for help... they don't even have a website, so how would I even know how to contact them? Never signed papers. Don't know who this company is. Reported this to the BBB... no help there as well. Case is closed because ACE did not come to an agreement with me. Closed my checking account.

can i include payday loans in my debt management

I have loans through the following companies and wanted to know if any of them are legal. They are all online companies and I live in Indiana. Star Cash Processing - $300 loan paid $450 so far Beacon - $200 loan paid $267 so far Nationalpaydayloan.com - $400 loan paid $795 so far Impact Cash - $300 loan paid $575 so far Payday Yes - $350 loan paid $250 so far PDL Ventures - $300 loan paid $90 so far Thanks for helping!!!

Yuck. What a mess. Overdrafted my PNC account so horribly bad that I turned to an internet PDL, then another to pay the bills I couldn't pay because of the OD, and the cycle went on and on and on(including a month of no income in the household). Now I am in a huge mess. I don't even want to tell my boyfriend what I have done as he freaks on me for any overdrafts and we have an account together. I didn't realize how horrible these loans were...so easy to get, in fact I don't even remeber signing anything for some. I am so sick right now.

who are they lvnv it this just a seard card or what they are on my credit report

I was curios as to the status of accounts when they were successfully settled. Basically, when was the last time you used the card (even for a 5$ purchase) and where they open or closed at the time. Any input would be awesome and thanks in advance. Specifically, bank of america and discovercard. Thanks again!

I owe $3,600 from AMEX that is 120 days past due. I spoke to a rep today and told my sob story (true!) -- husband lost a job since March and cant afford payments, house going into foreclosure and father in law helping to settle. She rejected 40% but will submit 50% lumpsum if i will pay $70 today to make my account stay inhouse and wait for settlement offer in 4-5 days. She said they might accept the 50% lumpsum, but not a guarantee. At least it will buy me a month to look for additional cash and not deal with the collection agency. In your experience, will AMEX settle for 50%?