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Just double checking on something. I have had loans out with these people and they have gone around my ACH blocks and stop pays and used electronic checks to debit my account, Payday-Loan-Yes using a 'collector" called First National. I had a claim out on First National for debiting a check from my account stating that I had authorized them to do so on 9/22 by phone/fax check payment - which I DID NOT. I was told by my bank initially that they were doing a reverse on the check and I would have the funds back in the account in 24 to 48 hours. This was on 9/28.

I was served the other day by the University of GA for a student loan debt of $7500 and lawyers fees of nearly $5000! I am not sure how to proceed. I have no savings or assets and am living paycheck to paycheck. I can afford to start paying it back at about $75 per month. What should I do? Should I contact the school or the lawyer? Is this even possible for them to drop the lawsuit? I want to settle, but I have no money to pay a settlement unless it's a small monthly payment. Any advice would be greatly appreciated... I'm terrified!

I called to see if I could refinance my loan several weeks ago and was told that I would be able to do it one more time, however when I went to go pay it I was told that it was all due on the spot. I said that I would come back the next day to pay it and they said it should be fine as long as I get them cash before it hits collections. Unfortunately I had an emergency situation come up and was unable to pay, and will not be able to pay for another few weeks unless they set up a payment plan.. Here is the weird thing though, they have not contacted me a single time..

Well, after learning that my friend settled both his Chase accounts for 20% total debt was 40,000, they took 4K on each or 8K total on payments...and after finally coming to the realization that the economy has taken it's toll on me I decided I just can't do it anymore. So far I have stopped paying on 4 accounts, after having a perfect history on all for approx 10 years or so. I'm self employed and my business has dwindled down to nothing as the clients are simply not coming in and the ones that call have no money to pay me and or are living in their cars.

Hi Guys, I would like to know that, What is the advantages of become debt free? I know few advantages of become debt free but i would like to know that from experts on our community. Thanks & Regards. gunz.ijjistaff.

Hi, I'm in Kansas and I recently had a judgement against me and then they started garnishing my paycheck at the maximum -- 25%. Then I take another hit, they took everything in my bank account and left me with $1. Can they do both? I was under the understanding that they could only take up to 25% of my earnings. I only get about $480 every two weeks now due to the garnishment and then they take my bank account and I'm left with nothing to pay bills. I know I messed up, please don't tell me that.

Our car was financed through Americredit. We made arrangements to do a voluntary repo back in June. In July they took the car. I received a letter recently that the car was sold at auction. Last night someone called my cell but I didnt recognize the number so I didnt answer it and they left no message. I looked up the number on the computer and apparently its Americredit. If they call again what do I say?

Usfast cash wrote: To Whom It May Concern: We recognize this complaint as a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter. Then I wrote: This is a complaint and I require a response like any other person. All the information is true and not mis-leading. I only have the $110.00 left to pay i believe that your letter is computer generated.

After reading posts, I went back over my bank account for the last year and YIKES! I have 7 pdl's coming out of my account, 3 of which I see an amount credited prior to the deductions, the other 4 I can't find when an amount was put in my account. The are: Ameriloan - paid $1070.00 United Cash - paid $2700.00 One ClickCash - loaned $300 - paid back $1615.00 PayDayLoanYes - paid $1850.00 AceCash - loaned $200 - paid back $690.00 High Country - loaned $300 - paid back $180 PDL Loan Center - paid $1,155.00 I can't find telephone numbers for any of these entities.

I recently filed for a Chapter 7 bankruptcy but I'm a little concerned about my student loan. I know student loans can't be discharged but will I have a problem getting my Stafford Loan for next year because of this. I have one more year left of school and I'm afraid I won't be able to finish because of my financial hardship. Can anyone help me with this question.. Thanks Leo71