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Is cashnet USA legal??? I have a $700 loan with them and which I have paid them $700 today they took another 298 and said that I still owe them $875 more - I live in Rhode Island.

When I checked my credit report several companies have balances that are way off. For example Cap one is reporting that from Sept. 2007 to Mar. 2009 my balance was 1,115 but the whole bill was paid off in mid 2008. And a collection agency has another account as having the same balance as when they got it in 2007 but the final payment will be this month and then the balance will be 0. Can creditors do this or should I be fighting to get the correct balances on it? In most cases it a difference of thousands of dollars as I have paid down almost all of my debt over the last three years.

One of my illegal lenders sent me this. I am not answering their phone calls and I have asked them to stop calling me at work (which they still do). They sent this via email and I am going to pay them - when I can- what I can... however, I will not be paying any fees no matter what they say, so how should I respond in a way that gets that across to them. I would actually prefer it to go into collections- so that I have a little more protection from their constant harrassment. "You indicated that you will pay the principle amount on your account. When do you intend to do so.

I know that 3rd party collection agencies are supposed to follow the FDCPA, but what about credit card companies? In my case, Citi is breaking every law there is! It is true, I got behind on paying them, that much is my fault. But, these people are just as bad as 3rd party collections agencies. In less than one month, they have called me at 2:00am, threatened arrest, screamed into the phone, implied death threats (told me to invest in a bullet proof vest), called my parents and tried to demand that THEY pay my bill, and used abusive language.

I have just sent a complaint to the BBB for Profile Management, a collection agency who is unprofessional and using scare tactics to consumers to pay money. Does anyone have any dealings with this company and what happens next afterwards? thanks

Oh my, I am sooooo excited, I FINALLY got a job interview for the position of employment specialist! It's on the 15 of Oct. Wish me luck because obviously I need it! lol

Hi all. I posted a couple of days ago and cant seem to find it. I live in Maryland and have a loan with MYCASHNOW. The loan was for $640, and have paid them $931 and still have a balance of $320. I cant pay them anymore. In talking with the state, they tell me this company is illegal in Maryland. I want to send them a C and D letter, but I cant find an address as to where to mail it.

I'm thinking of contacting my mortgage company (BOA - used to be Countrywide), about the new "Home Affordable Refinance", an Obama program. In this one, homeowners have kept up with payments, but really need a refinance. Looking at the details, it seems that I may qualify. Do I have to have a good credit score or pay down credit card debt for this kind of program? I was going to try to refinance conventionally through a local bank once I got some cc debt paid down or off. I'm thinking of looking into this instead. Has anyone had any luck or experience with this program?

This is too funny. And you can look it up at the Harris County Clerk of Court's site. As you may know, the Texas Attorney General sued Robert Mitchell Lindsey, aka Bob Lindsey or Robert M. Lindsey, and his debt elimination scams The Credit Card Solution (TCCS), Jubilee Financial Solutions LP, and Jubilee Financial Management LLC. TXAG accused (very truthfully) TCCS of unfair trade practice by taking payments from people to "invalidate" their debt and "restore" their credit, as Bob Lindsey promised in about 40 videos.

Does n e one no what bank funds these loans or if they r associated with n e other lenders?