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Chase closed my account and wrote off the amount I owed, $48 dollars. I never received a bill, but reagrdless I would have payed but now what do I do ? This is frustrating, as I tried to pay this when I discovered it, but they said I owed "them" nothing, as the amount was sent to collections. I will pay the debt, but how do I do so to keep the damage to my credit report to a minimum ? Any advice would be very appreciated. Thanks

For what reason would a CC company charge off and sell to collection agency for .10 to .20 cents on a dollar and not accept your 30% offer?

I received a $300 PDL from Ameriloan on 10/3/06. Over the course of 14 months, I paid them a total of $780. I feel that I more than paid back my loan, but they don't seem to agree. I have a detailed phone call log from July '07, when I kept requesting that they send me a full breakdown of my account. Of course they didn't comply. Flash forward to today, 11/19/09. A "Danielle with Ameriloan" called my office while I was using the restroom around 9:30am, and my boss answered (I'm the one who answers the phones normally).

Has anyone worked with this company to help with payday loans? I want to know if they are a scam or not. Thank You

So I have tried to deal with a few payday lenders on my own instead of using aconsolidation service. I am begining to get a little nervous. My lenders: Ameriloan.com - $150 Mycashnow.com - $400 Elastic.com - $500 Check n Go - $550 I live in PA, are these lenders legal here? I have spoke with all of them and they all say they are legal in PA. None will offer any sort of Extended Payment Plan. I am totally screwed now.

I live in the state of NC, and borrowed money from PAYADAY LOAN YES, and they reported it to Transunion. I set up a settlement with them, but I fell behind. Can they place it on my credit report? I mean, they already have, but can I get it removed??

I need help with these payday loans. From reading posts I am supplying all information. First, I live in PA. UnitedCashloans Total-$350.00 Payment Due-$125.00 Firstbankofdelaware-$600.00 Current principal balance-$534.44 Accrued Finance Charge-$27.32 11 Payments left at $91.40 500fastcash-$455.00 payment due-$155.00 My wife has one paydayloanyes-#350.00 Now it says she owes $455.00 payments of $105.00 Can I get help with these,,,I have learned my lesson and am going to get the help I need. I just need help now.

I live in Florida. If I were to be sued for a debt and a judgment is granted, I understand that in Florida if you are the head of the household you are exempt from wage garnishment for anything up to 500. a week. So what I don't understand is, does garnishment mean only a direct hit on your paycheck through payroll deduction? So if you have direct deposit and your paycheck goes into a bank account, is the collector still able to take your money through a bank levy?

BOA - I successfully settled my 26k debt (90 days late) to 25% today payable in 4 payments. The account manager i spoke to was really nice and considerate. You have to be honest about your situation -- they will understand. Im am so happy with the outcome! AMEX - 90 days late, will not budge -- 90% lumpsump take it or leave it. She doesnt seem to care if it goes to collection at 120 days even if the creditor wants to settle at 40%. The manager i spoke to was very rude and sarcastic. I will call again end of the month. Any recent experience with AMEX?

I live in NC. August 2nd, I was served a summons from Arrow Financial for the amount of $2367. After doing some research, I realized that the SOL had expired on the account. In NC, the SOL is 3 years. I last made a payment on this card in April of 2006, and they filed the summons June 2009. However, one credit report out of three makes it seem as if a payment was made in December 2006. This is when Arrow bought the account so I'm concerned they will attempt to deny the SOL based on that alone. I have NOT made any payments since April of 2006, I am sure of that.