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??

I’m facing a problem in dealing with Chase. They have validated the debt. I’m so grateful for that. However, they’re equally difficult to negotiate with. I have made several settlement offers to them. They have not accepted even one offer. Rather, I’ve been served with summons. Do you feel that the CA will settle the debt at this stage? I just want to avoid judgment. I’m a resident of Attalla.

I am planning to file Chapter 13 in roder to get rid of a ton of medical bills. The total amount to about $28,000. I am 69 and without a source of regular income. All I have is an annuity, a very small pension and my SS checks. Would I qualify for Chapter 13? Also, I live in Yuma, Arizona. Does anybody have any contact information to a legal aid society in the county?

I have been in a fist fight with Experian over a tradeline that falsely appears on my credit report. Its a PenFed auto refi loan and is marked as in default since 2008. Now the thing is that I have never bought or refinanced a car. I have been driving the same clunker my dad left me since he died when I was 16. I have written to Experian at least 3-5 times stating that the debt is not mine as I have never done business with PenFed but the replies are always the same generic stuff about them investigating and then finding the debt to be valid. What do I do to clean up this mess?

I ran into trouble about a year ago, lost my job and the usual burn out followed. Anyways, got into a lot of debt, credit cards (3 in total, Discover, Chase and Orchid) and about a ton of payday loans. I got a job a month and half ago and I am going to clean up my act, get my shit together and get out of debt. Now the problem is that I cannot track any 3 of the credit cards, all of them have been charged off but after that, there is no mention of them anywhere in my credit report.

How to Get a Duplicate Social Security Card?

I reside in Tucson Arizona and I have been receiving calls from Schwartz, Holmann & Associates about litigation proceedings against me because I failed to repay money I borrowed from a company named Aqua Loans. First of all, I never borrow money. I run purely on a cash only basis and never had a single credit card late. I have had an impeccable record for over 30 years. Now these guys are calling me every day from morning to night, accusing me of bank fraud, perjury and stealing, How do I stop these morons?

Does anybody have any ideas about how to deal with them? I live in Holbrook Arizona. A couple of years ago I was renting a place in Detroit. During my stay, my lease got canceled because the property went into foreclosure. I moved out as soon as I got a notice. When I moved out the landlord did not say anything and I paid him the last month's rent even though it had only been a week into the month. Now almost 3 years later I started getting calls from this lady named Linda who is claiming that I owe $3800 on account of the apartment which I left.

I have gotten in over my head and need help! I have loans with: Cash Now $1000 Advance America $700 First Cash $500 Check-n-Go $1015 EZ Loan $800 Texas Title and Payday Loans $500 Zip Cash $500 Cash Today $500 Cash Store $800 - installment loan Ace Cash Express $600 - online Speedy Cash $500 - online My next payday is Friday and I won't have $1735 to refinance these loans. I plan on closing my checking account tomorrow. Where can I find the letter to revoke ACH privileges? Also many of these places have checks prewritten on my account. Any advice is welcome.

can I exempt rental property if I file Chapter 13, The rental Property is still own by the bank. The propery Value was $150.000 in 2006 Now the Value of the Property in 2013 is $64000.00. I still Owe the Banlk $140.000.00, The rent is $875.00 and the Mortgage is $841.00-plus assosciation fee that I pay montly. I will like to keep the rental property thanks for the help