I had paid the interest rate on a payday loan as I could not repay it on time. Later I found out that it was illegal payday laon. What do I need to do to claim the refund. I have read I can send any kind of letter. Is the Cease and Desist Letter the same thing? Is the lender bound to repay the amount? can I file a lawsuit to claim the amount?

I was reading articles where it is stressed on the fact to save for retirement from early age. But there are creit card debts. What shoud I do? Should I save for retirement or deposit in a aretirement fund. Moreover, what will happen to the fund if I switch company? I am now in 30s. Not in pakn for early retirement. "

Hello good people. I am currently trying to help a friend of mine get his finances in order because neither his wife nor he are good with money (his words, not mine—but all evidence points toward it being accurate). While assessing his general situation, we have come across two high-interest loans he is currently struggling to pay off.

collection company debited my account for numerous payday loans without auth. i have no idea which loans it was for, and phone numbers no longer answering.

While searching for a mortgage loan, the lender told me that my credit score is good. However, I did not take out a mortgage at that time. after about a month, while applying for a credit card, the bank told me that my credit score is not good. How can that happen? Is there any kind of error that I need to fix? I have not defaulted on any payment in that month.

Can I take out a another balance transfer card to consolidate the previous balance transfer card? My previous card was from BoA. I don;t think the same bank will give another such card. Should I approach any other bank. I think this time I'll be able to repay the transferred balance within time.

Im seeking advice on rectifying a spousal consolidation loan. My spouse was recently garnished and we recieved no notification. I've been trying to find out more information and have called the company listed PHEAA, who told me I had a zero balance and directed me to the state version - who then put me back to PHEAA. FINALLY, after days of research they have sent me information to contact Performant recovery who now has the loan and issue a garnishment (just started) They had very old information and we have not received communication in years.

I often wonder will it be a right move to make default mortgage payments through a balance transfer credit card? I have credit limit and on low rate. Hopefully will be able to repay the previous balance within 5 months. They told the rate will be for 12 months. For some fianncial issue, got late with mortgage payments.

In your website I came across settling debts through a law firm. Are settlement companies law firms? Is it ok to take help of a settlement company? what if they are a scam and compells to shell out more money?

My main question is should I file bankruptcy or just let them slide into collections? Working with my creditors is not an option because I will not have income for several months. I dont feel that the collection agencies will go after me other than annoying phone calls due to the relatively low balance on my accounts. Also, I have no property that they can place a lien on. 5 years from now will I be better off if I file bankruptcy or just lived with the collection accounts? Thanks!