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Hi All, My apologies, I'm sure this has been asked over and over again, but I am getting a headache after reading through all of this legal stuff! A few days ago I took out an "advance" from the company 500fastcash.

I got served just last week and have several questions and am very worried about going to court etc. Midland Funding LLC as assignee of Wamu/Providian c/o Bowman, Heintz, Boscia &Vician P.C have a court date in small claims court for 1677.00 I owe for credit card debt. I did not respond to a few letters from Midland Funding who apparently bought my account about 6 months ago from Wamu/Providian.

Hi All, Been working the cycle and it's been shortly under a month since I closed my account. I've sent my letters, some of the pdl's have been quiet, some have been a real big pain in my behind. The thing is I am going to pay them back but they want it ALL NOW. I don't have it all now as I am trying to catch up on my most important bills and these guys are at the bottom of the list. Is it acceptable to just send them what I can, when I can? None of them have been willing to work out arrangements with me, they just demand payment in full which is not feasible at this point.

Hi all, it seems like you have a great forum here. I am working with 5 creditors, 4 of whom have made really good settlement offers (after much coaxing) --- like 30-35%. The exception is Cap One. They offered me a business card in like 2000, for a sole prop biz I was running at the time, but no longer. I owe them about $10k --- and the only offer they are making is to remove interest and fees (leaving $8700).

They offered me a sttlement of 6700 on 20k in July. It took me awhile to secure the 6k, and now they have pulled it, and say its 11k. Obviously not going to happen. I was told it will be charged off at the end of sept. What can I expect? Do they generally keep it in house, or sell it off?

I have internet pdl's with SDS, Starcash Processing, Cash in a Wink, and DJR. I have tried to get physical addresses from them, but have only been able to get info for Cash in a Wink. I live in Nevada and I don't think they are licensed in my state. I am willing to repay my principal. Can they turn me over to collections? SDS has turned me over to monarch resolutions, they claim I owe $900 on a $300 loan and have accused me of bank fraud. I demanded a debt validation letter, but haven't heard back. Any advice or help would be appreciated.

What are the laws governing debt settlement in NJ? I spoke with FreeStar Financial today and they told me they could not offer debt settlement in NJ.

Because of my spouse having cancer and then she was fired after her medical leave was up, I have become the only one paying all the bills. I took out some payday loans on line and one store front. The store front just garnished my check and now I'm worried about the other loans. They won't give an address and I can't afford to send money grams, which is all they will take.How can I get addresses for them and is there any way to stop the garnishment. I did sign a wage assignment but I sent my employer a " revoke" letter but they still did it. Please help. I can't afford 142.00 a week.

I purchased a motorcycle about a year ago and financed threw GE Money. I haven't made a payment for almost 8 months. There was an attempt to repossess the motorcycle but it seems they gave up. Today I received a call saying they would be willing to settle for 40% of the current balance that I owe! So, they faxed over the settlement proposal and I have until the end of the month to make payment, which I will be doing.

Hi Everyone! So, here's the deal. A couple weeks ago, Moneygram accidentally put a hold on two transactions on my Bank of America checking account when they should have only put a hold on one. The second hold caused my account to temporarily go negative, but I still had a positive balance, due to the fact that it was a hold and not a debit. As soon as I saw the mistake, I immediately contacted Moneygram about the issue. They told me it would fall off within the next few days. All of this occurred on 9/11/2009. On 9/14/2009 ONE transaction cleared my bank account.