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I have been lurking here since 06 when I had a problem with ZipCash.com. Anyways, back in Jan 09, I got laid off and had to close my bank account so CTC couldn't get any money. I sent them a Wage assignment revocation letter. Got an email from a few weeks later saying, I had to pay this and abide by Malta laws, yada yada yada. Sent them an email back saying they were illegal and not licensed to lend in my state (TX) and that I did not have to follow Malta's laws as I am not a resident of Malta. Anyways, my question is, I have not seen any threads about them on here in a long time.

We had a washington mutual card that was sent to collections in the early year. In June we signed up for careone to hopefully save the sinking ship. So far we have been making good progress however the waashington mutual card was sent to another CA and I didn't follow up as I should have. We recieved a letter last week from Midland credit stating they purchased the debt. The original debt was approximately $3300 and they want $3800. I called them today to feel them out a little. I didn't acknowledge the debt but I did ask if they would be interested in settlement or payments.

Just recieved notice, from ER Solutions Inc, Renton, WA. They claim I owe their "client" Asset Acceptance $2,463.78,due in full. Or a 60% settlement, of $1,478.27. Call within 45 days to be taken advantage of, err......To take advantage of offer! Problem is, ERS was never able to validate a previous claim. and, unless I'm wrong, and I'm sure I am, but ERS really can't collect on something that AA has NEVER validated either?? Can they?? I do know, from what I've read here, that AA can't continue collecting, if disputed, and/or never properly validated.

I have more than one pay day loans and I think some of them are illegal. Too much in fees and they gave me too much money for the state i live in? What do i do?They are all online advances and i live in KY Hello everyone. I wanted to say how awesome I think this site is and it made me sleep better knowing there were people out there that would be able to help me today when I got home from work today. A little tid bit on how I got here today. My family had a very unfortunate medical problem come up with my son and my husband and I needed money fast.

I live in CA and bounced a few checks back in July which made my account overdrawn. My only source of income is unemployment and I have 3 dependents. My question: Can debt collectors pursue me or file court actions if I am unemployed?

I am in ohio, here's what i owe: cashland $550 checksmart $350 advance america $230 national cash advance $230 all store fronts

HELP IN OHIO!! I don't know what to do or where to turn. I'm really getting depressed. I'm in ohio owe cashland $550 advance america $230 national cash advance $230 check smart $350 all storefront. magnum cash advance $440 and i have a direct deposit advance thru us bank $550. i've cancelled my direct deposit. trying to get off of work early to get to the bank. what else should i do? please help! thank you for any help

I am trying to understand why banks sue. Or is it more likely the collection agency will sue? I have very very high debt balances on my business. Because the banks are yanking my lines away, unfortunately, instead of paying them off, I am forced to keep the money so I can continue to run my business. If someone were to sue me, what should I expect in court? I 'll just explain to the judge that my business hit hard times, I have no money, and its unsecured debt anyway. Isn't that definition of unsecured debt? Isnt that the risk the bank takes?

I am really in a jam, and I do not know what to do. As a business owner, I borrow, and then pay back, borrow for a project and pay back. The old adage is true, it takes money to make money, and thats what I've done. Well, at least up until the banks pulled the rug from under everyone. With each line I pay off, they snatch back the line and shut it down. If I try to even use one of those cash advance checks, they are not honored, but thats not the worse part. Bank of America had a the nerve to shut the line off the day I used my check.

We got a PDL from 500fastcash back in june for $350. We live in CA and I am aware of the laws for PDL's in CA. We made the initial fee payment and then apparently made a second payment on the "due date" of just the fees. We closed our bank account after the second payment due to having a lot of PDL's and doing settlement with most. I then spoke with their "collections" dept at the end of Sept cause they were wanting payment - of course. But then it was going to be a total of $532...I did not think about it at the time, so I paid $162 and said I would pay more the next month.