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Anyone have the latest with Citibank? Are they settleing? I am in deep with them, about $30K and am currently on a payment plan for 12 months, not settlement. Unless things change I am only going to be able to keep up my end of the deal a couple more months. I can borrow a lump sum from a family member to get this over with but have heard they are brutal to deal with. Originally they offered me only $1850 off the total debt and at the time I was 90 days late. This was early 2009. I could get maybe $15-20,000.

I entered in to a student loan with Sallie Mae in 2005. In the interim,I became ill and could not repay the loan. Ultimately, Allied Coll.Agency assumed the debt and offered a ''final settlement'' payment amount,which I took, and paid the thing off. Now,I have recently received a letter from Sallie Mae stating that I have an ''outstanding balance '' as well as interest being applied to this,the same loan. I have attempted to contact Allied and of course they will not take/return my calls. This debt was PIF in Feb.09 but is still in our credit file. Anybody have any answers? Wade

I am in Pennsylvania. I got the loan for 300.00 4/14/09, I paid 90.00 a pay 5/7, 5/22, 6/5 (which was not a payday) and 6/22 before my checking account was overdrawn. The bank notified me, in turn I notified these people by telephone and was told to wait to see if debit cleared and call them back. As far as I honestly can see the debit cleared, but they went back in and debited my account again on 6/25 for 90.00 and 30.00 which put me back in the same deal. I closed and settled my bank account, sent USFC a ACH revocation letter, filed a complaint with the BBB.

rbvcash aka pdl loan center sent me an email....in this email they said my loan was in a "collection status" offered a payment plan of 390 which was the loan amount plus one "refinance" fee broken into payments etc etc...my question is ...at the bottom of the email it said I had 30 days to dispute the validity of the debt...I have to do this in writing etc etc..now I live in MD and I know that pdl loan center rcvcash or whatever they are calling themselves now is illegal...do I send them a DV letter?

Just FYI for those in Washington. Got this from the DFI site. "The Washington State Department of Financial Institutions is working to ensure timely implementation and enforcement of several new laws aimed at protecting consumers and providing more consistent regulation of its mortgage industry and payday loan company licensees. “We’re pleased to be able to enforce stronger protections for consumers and more consistent licensing methods for our licensees,” DFI Director Scott Jarvis said.

I got a loan from oneclickcash.com for $400. I have paid $450. I live in the state of Washington and they are illegal. I have sent a registered letter to them and I just had a conversation with them on the phone about how I have overpaid because they are illegal ect...They refuse to quit calling my work and me. What do I do know??

We are over 75,000 in debt and going through a hardship but have not made a late payment in over 10 years. We can do a hardship program with the credit card companies but are wondering if it will trash our credit or is it better than settlement and/or management. We understand our credit is going to be ruined one way or the other but we're wondering if we should try the hardship programs or go for debt settlement. The debt settlement companies seem really shady, though. Can anyone shed some light? Thank you!

If a payday loan company that is illegal tells you that they will turn your account over to a collection agency...are they bluffing? Because...if they are illegal...they really can't expect the borrower to pay back anything but the principal..right??

I'm having MAJOR issues with Zip19.com and they have stated that they reported me to Teletrack. Can an illegal PDL that's not located in the US report you to Teletrack and if so, what does that mean? Also, I had borrowed numerous times from Zip19.com and definitely feel as though I owe them the principal, but since they are an illegal lender, can I tell them that the previous interest charges that they rec'd from me should go towards the balance of my principal?

Bernhardt and Strawser are suing me for a debt from World Wide Asset Purchasing. I filed discovery, they filed discovery. They answered mine, I answered theirs, denying, and using their exact wording from their answers on many of the questions. I received a letter two days ago demanding that I produce bank statements as my answers were vague and uncooperative, etc. They stated that by producing the bank statements it would help me to prove my denial. They gave me 10 days (total) to respond. This made me suspicious as our next hearing isn't until Oct.