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I have a question about debt validation. I am trying to clean up my credit report and score. The mark on my credit has been there since 05. Should I bother asking them to validate the debt? Also would the collection company have to provide me with an original signed agreement saying I agreeded to pay what they say I owe? Also if my report says I owe 400 and they are saying I owe more, what should I do?

What/how can I get from under the stress of 2 Payday loan companies that are eating up all my pay? Is there a company that will consolidate these loans at a humane interest rate? Please advise. thank you. THeodora Mays for Valerie Ward

Hi, one of my credit cards has brought up settlement. How much do I say about how much cash I have access to? The amount they have mentioned is almost as much cash as I have, but we have other cards to settle. I kind of said that, but I'm worried about giving too much info away. I'm only 70 days past due and they talked about 55% of balance. I want hold hold out for less. They already started mentioning charge-off. Any guidance about negotiating is appreciated.

I have internet payday loans with the following companies--are they legal in Florida? Fox Enterprises Pack Managemnt Group SSK LLC DJR Group American Consumer Credit

After finally shaking the dust of the PDL's from my feet, my e-mail has been fairly quiet. However, the past few days I'm finding a ton of e-mails from PDl's in my spam folder, asking me to partake of their offers to lend me money! Is it just me or is anyone else here getting a lot of e-mails lately, as well?

I had a message from these folks last week regarding a check fraud and if I didn't respond they would be processing papers to my state to be served. I called them and found out is was debt with CashNet, I told them I would rather they contact through the mail. Well I emailed CashNet requesting a copy of the original contract and any payments towards this, they said they sold it to a third pary (AIS), I'm very confused about this.

I have been served civil lawsuit papers from Arrow. Can anyone help me with the procedure to respond. I'm in SC

Is there anyway to get help from PDL assitance compaines without being in or going into default. My huband and I have a bunch of loans. All store front and legal. We have never defaulted but are no longer keeping our heads above water. The fees are bad. Put it this way if we don't pay any fees each pay day we could actually pay off one of the loans. But the fear of hassrassment at home, work, and our references keeps us paying and re-loaning. WE try but we never seem to make it through the payment plans. Any advice would be helpful.

Around January of this year, we ran into some financial difficulty when my husband's hours got cut at work. Of course I did the stupid thing and got an online payday loan with paydaymax.com. When it was due, I paid the finance charge of $90 to have it renewed for 2 more weeks, hoping he would be at full-time hours again and I could just pay it off. I wasn't able to pay it off though and go in the cycle of continually paying the $90 every 2 weeks to keep renewing the loan. Pretty soon, I had paid more in finance charges then the principal, which was just $300!

I need to know if this is a federal entity going after my student loan or a collection company. Please Help:D