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I live in New Jersey and recently I received a letter from Professional Debt Mediation claiming I owe $1000.00 on a payday loan. I had a loan with them for $400 in which I paid $500 in fees. I have sent them a Cease & Desist Letter informing them I will not pay anymore that I consider this loan paid in full and they are a illegal payday lender. They claim they are going to report me to the 3 credit bureaus and they have been calling my work number. My checking account has been closed. I have already made complaints againt them with the BBB, Attorneys Gen.Office.

I was trying to find information and came upon this site and thought I would join since everyone seemed really helpful :) so now my situation: I got a call from a Senior Litigator at Financial Liability Reporting Services saying that I was going to be sued for not paying on a loan from Checksmart that I took out in 2002.

I'm trying to get an idea of what the difference in the impact of going the three routes are to your credit score. From doing research i've read that bankrupcy is a 7 year commitment of having a super low score and basically you will not be able to get a loan of any type. I've read that in consolidation thru a non profit CCCS that your score will not suffer but comments will be put on your report that state you are in a program. I'm guessing these notes will scare of potential lenders. Are these two statements correct and how does a settlement factor in?

I have paid cashjar $750.00 the principal amount Borrowed. I informed them that this was all that i was going to pay sent them a letter back in August(the letter that i got from this site). They just called me and told me that i owe them $450 more dollars I then told them that i would have the attornet general's office contact them and hung up on them. Is there anything else that I can do? I re-sent them the letter from August. I had 7 payday loans i have paid all of them off including them can they harrass me like this?

Long story short i'm dealing with ARS( Associate Recovery Systems) regaurding a Dell account. Basically they responded to my debt validation letter with a total of roughly $1600 which still doesnt add up to me because I had paid a little through my DMP plan before they stopped because Dell wouldn't accept it. I believe my true balance should be somewhere around $1200.00. They recently sent me an offer stating they would accept a 60% settlement or monthly payments of $100 after i paid $160 down to end up paying in full. How should I counter this.

Does anyone know the mailing address for Cash Advance Now? Thanks!

I have 5 payday loans out they are all due friday and I just cant make it. I have been paying close to 1800.00 a month in just finance fees with out even paying on the principal. I owe check n go 1250.00 advance america 1200.00 a local pawn shop payday service 1500.00 the cash store 1200.00 I have enought to pay the 5th one off today its 700.00 I cant believe I have put myself in this situation I have no family to turn to should I try to use a payday loan consolidation company or what.

Got this in an email 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 as been marked as settled. Please let us know if you have any questions. -- Thank you, Account Services PDL Loan Center 1-800-707-0102 ext.

Hi Everyone, I have a 13k cc debt with BoA which is 60 days late. The lady was very nice but informed me that since I defaulted on DMP (outside agency complete scam) they could not offer me any internal repayment plan due to a new law. My only options are

• Pay
• Refer me to another DMP
• Account goes to collections
• Account goes to the legal dept
• BoA may offer a settlement down the line

I was really hoping they would offer me a repayment option but she was firm saying that is not a viable option for me.

Will someone advice us on which plan will be better for us?