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My husband and I have decided to file bankruptcy. We know we are eligible for Chapter 7 based on a previous consultation. We have an appt on Fri with a local attorney in our hometown to start the proceedings. Before we go, I have a couple of questions. We live in WI if that matters. 1. Can we include our payday loans? All three are current as of today, they are with CheckIntoCash, The Cash Store and Security Finance. Kind of a sub question to that...if we can include them, how do we make them stop the automatic withdrawls from our checking account?

I am in the state of Indiana and currently have 5 pdls one with oneclickcash.com usfastcash.com loanpointusa discountadvances and wagesfast.com I have sent letters emails and faxes to all of these lenders to revoke my authorization from debiting my account. I have not had any problem, but wagesfast and oneclickcash are not suppose to go through until Friday. are any of these sites legal in Indiana? when I called my bank they said that they cannot block ACH debits from the account, will I have to close my account?

Are you more likely to get sued if you have a mortgage? I am going to try to settle approx. $63,000 of unsecured credit card debt but I am afraid that they will just sue. Most of my cc debt is with CitiCards.

i called them last week to get this balance off my credit because i was not of age to order anything i cant even but my a labtop

I received a voicemail on my cell phone from a place called LRA. They gave me a vague message stating I or my representative needed to call them as soon as possible regarding an important legal matter. They gave me a reference number etc. What should be my next step. Yes i had illegal paydays loans that defaulted. Do I sent a debt validation letter. Do I call them back and ask them to send something via U.S. postal mail. What is the next course of action. Thanks

I need a fax number for the settlement/collections dept. at Advanta. After letting the rep. on the phone know that I was recording the phone call, I was hung up on. I think I'll keep all communications in writing from now on. thanks!

Hi, I would like any advice on how to deal with these companies :) Eastside lenders: Loan for 300.00 paid them 90.00 Integrity Advance: Loan for 200.00 paid them 180.00 I have closed my account and know these are ipdls. So far I received an e-mail from EL telling me my loan has been "continued" and to let them know how I'm going to pay my 390.00 loan. I know I only them 210.00... They also told me they will only contact me by e-mail (that's a relief!) Integrity advance sent me an e-mail pretending to not understand why I only owe them 20.00 and they want me to call them. Please i

does bank atlantic use EWS?

I have wrote this all day with no one writng me back. I moved out of a apartment early and I was contacted by the collection co. and I owe $3000 and made payments of $150 a month and told them in 5 months I would try and pay $600 by skipping a car payment but the car place said I couldnt. anyway he wanted more money I sent him a certifed letter staing that I would give him $200 a month and I would pay the lump sum of $600 in the next 3 months (Xmas bouns) to help catch up on the account and contuie to pay $200 a month.

[COLOR=black](My apologies to the mods for posting this in the wrong place. I meant to put in the first sticky on the page. I can't delete this one, so hopefully the mods can move it to where it belongs.)[/COLOR] [COLOR=black]I stumbled onto this forum while researching some info about a "Crime Monitoring Center" that turned out to be bogus. I received a call at my workplace this past Friday from this outfit, and according to them, I should've been typing this post from the courthouse by now.