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I am just starting this program, but have lots of concern regarding protecting me from further debt and legal problems that may arise from using this service versus going through Chapter 7 or 13, assuming that I would qualify for either one. I'm starting to receive alot of calls from creditors at this time, and I'm unsure as what to tell them. Any thoughts on this?

I looked up CMG Group in BBB website and it came up as FSM Group. I guess FSM GROUP is a dba for CMG GROUP. I filed a complaint with BBB on CMG Group on being an illegal payloan in the State of TX and I recieved a letter from BBB that they could not process the complaint because it deals with issues outside the Bureau activity so they forward my case to Nevada State Financial Insitutations Division. Also, SRS Assoc. is calling me and my references telling that if I do not settle they will take legal action. I do not know what to do next, I really do not want them to take legal action.

I have sent all my letters, not answered their phone calls(even the ones that say "restricted" on my cell). What happens next? Do these PDL companies stop trying and finally give up and realize the huge amounts we have paid to them.. overpaying them in some cases (me personally, according to California PDL Laws) or do they just keep trying new ways to keep coming after us? It's human nature to be worried and scared by these companies threats.

:mad::mad::mad::mad: I'm so irritated right now...why do companies have to ask for so much on utility deposits. I am moving to Georgia in a few weeks and moving into my apt on December 1st. I called to set up my electricity service and the company said I had to pay $325 for a deposit before starting my service... What the heck...this is just crazy. I can handle maybe $100 or $200 but $325...I don't think so. I know my credit is not all that great but I've never had any problems when it comes to rent and my utilites.

Does anyone know if a judgement Lien incurs interest? Lawyers fees as well? I am unable to settle my debt before the court date and think that the judgement might be the only way to go right now.

I am interested in verifying some old debt that I have ignored- primarily because I don???t believe the debt belongs to me, and because I was young, stupid, and uneducated when it came to my finances. I'm in repair mode now. Anyway, the item is a medical bill that I???m sure my insurance would have taken care of. I have been doing a lot of research online for verifying/disputing negative credit listings and this is something I really want to move forward with. I want to make sure that I have the correct information though.

My name is Kristi and I live in Texas. I currently have 5 payday loans: Check In GO-$410 loan-$508 owed(have not made a payment yet)store Pay Day One-$250 loan-$302 owed (have not made payments yet)online Cash Biz-$200 loan-$246 owed(paid $90 in refinances')store EZ Money-$301 owed(paid $153 just to refinance)store Speedy Cash-$126 owed(paid $26 just to refinance)online DOES ANYONE KNOW IF ANY OF THE ABOVE WILL BE WILLING TO WORK WITH ME ON PAYAMENTS? I have been doing my best to make minimum payments and still pay my bills, but this is all i am accomplishing.

Hello all, I have a urgent question. Citibank via ARS National has offered to settle with me for $3k on $10K balance. They have emailed me the settlement offer. The text of the email contains all the settlement text that you normally see in the settlement offer. But it is not signed.....they are saying its a legally binding contract but it makes it fishy. Should I go ahead and send them a Cashiers check overnighting it? Can someone please tell me if and how to send the money to protect myself in case they dont keep their word after the fact. Thanks a lot, Sacdude

I received a collection letter from Jefferson Capital Systems LLC on behalf of MCM. The original creditor to this account was FCNB (Spiegel) In the letter they are stating that the charge off date was 02/09/2006. THIS IS A LIE. I had my credit report that states the first default late payment to card processing center ( whom bought FCNB AKA SPIEGEL) was on October of 2005. I have since lost t the credit report when i moved last year. Would I be able to call the OC I last payed and ask them for a statement of when my last payment to them was?

Hi all, I took a loan out with Cash Call in 2007 out of sheer desperation. I borrowed $2600 and never missed a payment (up until 9/09) To date, I have repaid them $6,683.57 My bank sold my account and in the ensuing confusion of the account transfer, Cash Call did not get paid. I decided that now might be a good time to start paying them via a money order or something, rather than give them my new bank info.