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I was contacted last Thursday by a Cameron Phillips at P & B Capital Group, LLC. He received my account, a payday loan from Sagamore, and wanted to settle it. I had not received anything in writing so I asked him for proof and he emailed me a letter. He refuses to work with my debt management program and says this needs to be settled by this Wednsday, the 30th. He's only giving me one week, including the day he contacted me. Mind you, the debt is with an ILEGAL! payday loan company, called Sagamore. The loan was for $250 with a finance charge of $75.00 which I have more then over paid.

Situation: Statue of Limitations has expired and the previous negative mark on my credit reports have fallen off (this dept was from 8 years ago). The dept has been sold to a new agency and they are attempting to collect. I am electing not to pay because of the statue of limitations. Question: Can this new agency place another negative mark on my credit report for a dept that has past the statue of limitations (and also was previously on the report and now has dropped off)? Thanks!

Called VK regarding debt with Dell. They offered excellent settlement terms, were very pleasant, gave me plenty of time to make up my mind, and said they would provide terms in writing before they asked me to agree to anything. The problem: They said they could only except credit card or check but not money order b/c they needed payment or funds authentication or some such nonsense. I would love to settle this for the amount they offered (also I would make sure Dell couldn't charge off the rest before I paid).

who is the best debt consolidation lenders?

Has anyone had any luck applying money that was overpaid on previous loans to loans that you currently have balances on. for example if you had taken out a loan overpaid by 250 then taken out another for 200 any luck getting them to apply the 250 you overpaid to the amount that you owed. especially if you're in a state where they're illegal like ny

I went to the bank this morning. The bank manager said since I had used my debit card over the weekend I will have to wait till tomorrow to actually close the accounts. I asked for the ACH block, but he said I just needed to close them. Also, he said that once my bank account is closed, it CAN NOT be reopened...what so ever. PHEW! I have another bank account there and he said that the IPDLs will have no effect on that account...DOUBLE PHEW! haha. Thanks so much with everything you guys!!! :D

Hello everyone, I live in California. I was given a 350 dollar by Ameriloan. I have paid 385. Since discovering this sight I have found out they are illegal. I received a final collection email from them today. I called and asked for their busniess lic# that allows them to do business in California and the guy in the collections department didnt even know it. I also asked for the address to where I could send money order for the final payment and he said they would only take debit or bank account numbers to get payment.

among some of my pdl's i have accounts with united cash, ameriloan and one click cash. through some research and with hearing some things from people on here i have realized that given the amounts in fees and overpayment on previous loans i had with them i have more than paid these off. I have been sending letters out to them asking for confirmation of paid in full, but haven't heard anything back from them for a while like months now. What I'm wondering is if I should keep trying to get a confirmation from them or if i should just let it be and not try and contact them any more.

As a stupid college student, I checked out at 27$ library book from the San Diego public library. Using my dorm address as my contact information, the San Diego Treasury started to collect on my library book I forgot to return. Now the charge off is recorded on my credit report. I sent a debt validation letter to the San Diego Treasury, paid off the balance. Yet the collector (SD treasury) will not remove the charge off from my credit report. What do I do??

I need addresses or fax numbers for: 1. Ameriloan 2. 500 Fast Cash 3. My Cash Now 4. Pay Day MAx 5. Pay DAy One 6. Integrity 7. Kenwood Services 8 .Cash Advance Network I want to close my accounts with them. I tried e mailing them and the mail came back. I am getting killed on intereset. i live in PA. Please help me if you can