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I got a call from this woman from national credit adjuster she is trying to collect for ssm group.She say i took loan for $100 and i owe $160.I tell her that pay day loans are illegal in state of ny and she tells me no that its only in new york city.She says she knows the laws here very well and all over .She is being nice about all this and so far we not being nasty to each other.I tell her to fax me the information on this loan and i will review it and call her back.I do owe the$100 but i am not going to pay them $60 more for the interest.HOw should i handle this.Anyone can help me out would

I have attempted to settle my credit card debts on my own. The companies will settle the amount, but the settlement amount has to be paid within 3 months. Is there any way around this??

I am looking for a good debt settlement company. Anyone have experience with U.S. DSettlement, or can anyone recomend a company?

Hopefully tomorrow is my big settlement day. I am calling to try to arrange a lump sum settlement on an old credit card debt that I recieved a summons for. I am waiting on a settlement arrangement before answering the summons so I can include that info on my answer to the summons. I still have 2 weeks to answer the summons.

I'm going crazy. I don't know where to go, who to ask. I made a huge mistake by taking a payday loan online, and to make end meet I took another one, now they are withdraw the money from my bank and I'm basically left with nothing. I want to pay them but I don't want them to keep withdrawing the money. By the time I get paid I don't have money left for my kids, please help, can I reguest for the bank to stop the withdraw until I can find a way to paid them, from Florida :(:(:(:(

I joined a while back and have gained much insight and received much help. Thank you all. I have sent out my letters and after only 5 days, received a paid in full from one company. Eight more to go. The one loan I am most concerned about is Little Loan Shoppe. They sent me a letter saying they are an Installment Loan, even though I believed them to be a payday loan. Can anyone clear this up so I know where to go from here?

My daughter has several medical bills that were sent to collection agencies listed on her credit report. Would it be to her advantage to pay these off? What impact do they actually have on your credit score? I believe they were for deductibles/co-pays. I know, I know - she should have paid them years ago, but she's been living on a shoestring - but things are getting better for her. I just don't want to go through all the hassle if it's not going to make a significant different in her credit score which was wrecked when she was married. Is it worth it?:confused:

Hi, I have been hearing mixed reviews about PDL Assistance. Anyone have the real scoop on them?

I have a credit card account that is over 4 yrs since I paid on it the collection agency that bought it has been calling me and leaving me messages. Well I finally sent them a Expired SOL Notification letter because its been over 4 years since I paid anything on it. The problem is they keep calling me about this account even after the letter what should I do next.

If I received a payday loan while living in Texas, but I now live in Nevada, can they garnish my wages? The loan was back in 2005?