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I live in Arizona; I ahve 12 payday loans-5 are strorefront, the rest are 0n-line. I am facing eviction and now have no choice but to close my bank account and I am signing up w/payday loan consolidation company. My q is this-since 5 of my loans are backed by an actual check, which I am going to default on, can I be prosecuted in AZ for bad checks?

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Are there any examples on how to respond to a court summons I received for a Capital One credit card?

Alright Im posting everything about my debt situation etc and what I have done so far. If you guys and gals have any tips or advice on something I should do please let me know. I will update this thread continually as I go through this. I was originally considering a debt settlement company but after reading here and seeing some threads I have decided to attempt this myself to save money and hopefully use that toward settlement.

So I mailed in my first payment for my default judgment on my legal PDL with Express. I've gotten a defualt judgment for a medical bill, so I knew I could do payment arrangements. I tried to contact Express by phone and mail and never got a response. And they never tried to contact me either. SO I did the only thing I knew to do and sent in what I could afford with a letter explaining that I had thousands of dollars in medical bills and would mail in payment each week until its paid off. Well today I get my check and letter back in the mail and they've written. "So?

I'm at about 120 days on some cards, and these are the offers I have so far. BOA #1 (last payment in May '09) 40% BOA #2 (last payment in May '09) 40% BOA #3 (last payment in June '09) 46% Discover #1 70% Discover #2 70% Chase #1 70% at 120 days Chase #2 No offers yet (30 days pd) Chase #3 No offers yet (60 days pd) GEMB #1 No offers yet (90 days) GEMB #2 No offers yet (90 days) Citibank #1 No offers yet (90 days) Citibank #2 No offers yet (90 days) Sears #1 No offers yet (60 days) Sears #2 No offers yet (60 days) Barclay's 40% (60 days) Hopefully this is helpful to anyone el

Thanks

Why do collection agencies call as "Caller Unknown" or and unidentified phone #? A great majority of people will not pick up a phone call if it says "caller unknown" or if there is no name attached to the # that is recognizable. How can it be construed that the debtor is avoiding contact with collections if in fact collections is not disclosing their identity?

I seldom - if ever talk about my personal life to anyone, but, here I go. I will be moving back to Ohio. It's not what I want, but I don't have an option. I don't know if I will ever return to Idaho again, I am at the point where I don't count on anything or anyone any more. I have always been independent and very proud, but I am returning to Ohio with my tail between my legs because I am flat broke.

I've been on the site for a little bit and i'm trying to get rid of all my pdl's I know everyone on here has a lot of helpful info and i'm sure i'm going to need all the help you can give to me.