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Ok, so I got a final demand letter from Wells Fargo at the first of the month. I called them up and they quickly offered me a 50% settlement, which I was going to do at the time, but then AMEX Collectors called me and offered me a 25% settlement on that account. Of course, I took the 25% offer from AMEX so now I am out of funds. I noticed that on August 28th my credit report showed that the Wells Fargo one had charged off. Does anybody know what happens now? From my experience, the offers get better after charge off, but I don't know with Wells Fargo.

I had a pdl with ace cash express(storefront). I live in az. I could no longer afford to pay the intrest, so i defaulted on the loan, because my work hours were cut. It went to ace cash express collections at the begining of august. I paid $40 last week, and they called today and said if it was not paid off ny the end of sept. it would go to the recovery department. She said the recovery department would contact hr and begina civil suit. There is no way i can pay it off by then. I told them i could make another payment on 9-24. she said ok, but it still had to be paid off by the end of sept.

My son's step mother took him to the doctor when he was 17 and failed to pay that bill. Now it is showing up on his credit report. The collection agency will give him no information because the debt is in her name. How can this be?

hi...i've gone through alot of these threads, and there seems to be alot of information here....thank you.... my situation is that i owe about 30k in defaulted school loans....i have been contacted by a CA and they want me to make 4 monthly payments of around 200 or 250 i think....they said as i am doing this i will be applying for the william d.

to me and was returned to court for wrong address I was told from court office. I moved to a new address before they have send it. I was just notified (50 days after it was filed ) in court..The lawyers that are the retainers of the Collector sent me a notice for repayment plan...and mentioning there is a summon against me.....This is leaving me with no chance and time(the 30 days they give you by Law to answer to the claim and send Questionnaire) so I can defend myself.

Hi there, I will try to be brief. Three years ago my husband had a medical emergency that put him in the hospital for a couple days. we had no insurance at the time and the hospital was told that and that we didn't have money to pay. The bill was over $9000.00 Long story short, we received the itemized bill, and again asked if there was some sort of assistance or pmt plan. They said they would get back to us. We never heard a thing, till now. Friday we received a letter in the mail that looks very official, but on closer inspection it is not.

Hi I need there address. I over paid them $250.00 on a $300.00 loan. Stopped the ACH withdraws now they are sending me to collections. I emailed them but it bounced back. Thanks

I have 5 pay day loans... Check Loans for 450. Quik Cash for 600 Quick Cash for 300 Check n Go for 600 and a-1 instant advance for 300 also have been making payments on my cashwell loan of 600. of 70 dollars every two weeks i need to get out of this hole so badly. please help

I had a previous PDL that I have been working with a DMP plan and making payments. I got a call from the debt management people that the post office returned my payment because the company is no longer at the address. Does anyone have a current address for City View. Thanks

hello, I'm new here and im just trying to find help, i live in Ohio, im so desperate about my financial situation, i have 6 loans, 4 are storefront loans and 2 are online loans, below are my loans info: *Storefronts: advance america $500.00 payback amnt $535 checksmart $530.00 payback amnt $575 cashland $300.00 payback amnt $350.00 check into cash $400.00 payback $430.00 *Online: cashnetusa $700.00 payback amnt $890.00 (i can get extension on this loan for $140.00) Cash 'n Go $400.00 payback amnt $520.00 Well, i owe a lot of money on credit cards, etc so bankruptcy is like my last resort!