I have been receiving calls from this rude collection agency. I have repeatedly told them not to call me at work and they are still calling me there. I have requested their physical address to send a C&D and they will not. Now they are saying that they are going to serve me papers at my job. Who is NCS? Their email address is customerservice@nationwidecredit.biz

Long story short: used to have great job making close to 6 figures. Lost that job 3 years ago and am now self employed with loads of ccard debt and a mortgage. Just got back into freelancing and I pull in almost enough to pay the mortgage but had to stop paying ccards and now several of them are in collections. I don't want to lose the house and have no wage to garnish. So what could hypothetically happen in Ohio, for instance, especially, if a collector was to sue me? I don't have money to pay them and can't borrow any. I am not sure what to do: file bankruptcy or do nothing.. ??

I live in Missouri and took out an $800 loan last August from Spotloan and made 3 payments of $124 each. During that time, I did more research and discovered that the company was an illegal tribal lender. I closed my bank account in November and emailed them that I would pay principal ONLY until remaining balance was paid. Of course they responded back with mumbo jumbo and said that wasn't an option. I have since received documents both through the local sheriff's office as well as through the mail from a company called JAMS. The claimant listed is Berman & Rabin out of Kansas City.

So today I got a call...."Sir you have a debt you owe Cash Net back from 2006 and if you don't pay we will send paper work to your county for litigation. They knew my SSN and employer from 2006. So what do I do? Ignore them or contact Ohio Attorney General? What can I say to them to get them off my back?? Please advice..

East Side Lenders is responding to your correspondence regarding the above-captioned account. East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law.

Here is the response I received today from Castle Payday: Thank you for your email. We are sorry to hear that you are unhappy about your recent experience. Our reputation is important to us and, as such, we are willing to consider the circumstances surrounding your request in order to determine the appropriate action.

Well it seems the State of Michigan is listening to complaints!!! I got a call today from a State of Michigan employee reference Western Sky/Cash Call that I made last month. The are finally going to start to shut these bastards down. I talked to him for a while and he asked me how much I've paid and wants a copy of my original contract. Then he told me they are getting a case together to sue Western Sky and asked me if I'd be willing to testify, my words "Hell Yes". He went on to say they have numerous complaints and they are taking them very seriously.

I reading thru some of the articles posted by out members. Nelly wrote the following....her footer states "Good Nelly is a senior member of the DebtConsolidationCare Community. Nelly is an active participant of DebtCC Forums where she tries to solve financial queries of the consumers. She also writes articles for various social community sites and DebtCC official blog." Her writing is an embarassment...poor grammar and content barely skim financial aid. My high school freshman writes better than this.

just received a call from someone named grant bishop at some mediation service saying they are calling in reference to a check fraud case that is connected to my name and my social security number. Anyone else get anything like this. I have not called back, but they keep calling repeatedly. So tired of these calls :(

Thank you all who have come before me. I have used your tips, letters and advice to begin to untangle myself from the Pay Day Loan trap. I do have a question, I bank with Wells Fargo and paid for a stop payment on each PD loan company. I am unable to close the account and up til now, everything has been going good. However, PayDay Wiz was somehow able to make an ACH AFTER the stop payment was in place, I have had the stop payments in place since last month. Should I file a claim with Wells Fargo for the unauthorized withdrawal after the stop payment??