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I'm so glad I found this site because I'm on the brink of a nervous breakdown. I've been unable to work for over a year due to illness and we've been flailing. Fortunately, my husband got a new job and is getting a severance check at the end of the month. If I can just hold down the fort until then... My husband and I have so many payday loans out it's both scary and embarrassing. I applied for all of the loans online but I'm pretty sure most of them are legal. I just want to check though. I have yet to default on any of them but judgment day is coming and I need help.

A customer of mine didnot pay for the goods especially made for him. Upon receiving small claims court summons, he wants to settle by a post dated check as he contests he is broke as of now. Along with the post dated check what other document should I get from him - a letter of surity or a promissory note? And what would be my recourse if the check bounces. I also am skeptical what happens if he files for bankruptcy in the meantime

Hello, I was wondering if Paydaymax.com & Discountadvances.com is the same company? Both websites are almost identical other than the layout. Has anyone had loans with BOTH Paydaymax & Discountadvances at the same time? Please let me know! Thanks! Mel

I have been working with Transunion and a few things have been deleted off of my credit report. Will these things also be taken off my report with Experian or do we deal with each agency separately?? Thanks.

What subject line do you use in your email to illegal PDLs?

there is a person on the BANK ACCOUNT GARNISHMENNT thread that is wanting an alternative to a bank accoount because they stand to get an inheritance soon.they don't want creditors to come back and haunt them.can a creditor attach CD'S,or are they subject to attachment or levy?wanted to get thoughts before recommending.

Do creditors give a better rate to those whose bankruptcy is about to come off credit report as opposed to one who more recently filed bankruptcy? My bankruptcy will be off in a year. I have 3 small credit cards in good standing - never late. Negative marks are 10 small med/dr. bills that my ex was supposed to help pay but did not, and a car repo from 2003. I plan to pay off (w/pay for delete letters) the Dr. bills one by one to help improve my score.

Has anybody really ever been given any money back from kennedy not just a credit or is it all just a scam PERSONAL INFORMATION REMOVED

Hi wchamber Please take a look at the payment snapshot. Have a nice time. :) Jason

could someone please clear this up for me. i have an old, past SOL debt that has been passed from one bottom feeder to the next...i have been able to keep the others at bay. now i am confused about debt forgiveness and if this would be reported to the irs, so far so good. but please explain as much as possible. how do you know if the collector is going to contact the irs and call this (ggrrr) debt forgiveness if they stop collecting? or decide to call this debt forgiveness. i have not filed bankruptcy, or done debt consolidation, etc.