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Hi all --- I am a graduate student going through my last year. I accumulated about $23K in CC debt and got to the point where I couldn't make my payments anymore. After a long time of flip-flopping, I signed up with Superior Debt (the place affiliated with this site and called when I signed up). However, now I am getting cold feet. Is my credit really going to be in the crapper for 7 years? Will I not be able to buy a house? Should I just pull out now and switch to credit counseling?

I had a credit card from AMEX that I opened when I turned 18. The last payment made on the account was back in 1996. In my CR I show 2 AMEX cards both in good standing. One with a zero balance and one with a balance. I only had one credit card account with them. Hasn't the SOL on these accounts passed? When I called the number listed on my CR it directed me to a collection agency even though it is listed as AMEX on my CR and does not list the owning collection agency. What action plan should I take to get this removed from my credit report? I live in California.

I had a Best Buy credit card back in 1998 and I made less then 1 yrs worth of payments; I certainly don't think I paid anything on it after Dec of 98. Being that this was a credit card and it has been passed from one collection agency to another over the years (the most I have ever gotten were threatening letters) and this was of course after Best Buy had written it off. Now I have PentaGroup Financial calling me and sending me letters saying that they can garnish my wages and such. The inital amounted owed was $3800.00; they want $10,000 but will settle for half.

I got a alert today on my credit and I went and checked it and it was from SECURITY CHECK LLC for $490.00 on a return check .I called them and they said city view sold them my debt. I had a account with them back in march. They kept taking money out of my account and the amount they said I owed never went down so I sent them a letter letting them know they were not legal in Mississippi and offered a settlement in full. Never got a response. I paid well over what I borrowed. I only borrowed 200.00 and they took out over 300.00 over time from my account until I closed that account.

hi,I have a question for you, I made an aplication, I was approved for $ 200 dlls ,but you didn`t mail information about the fees, and what day I have to pay or how I need to pay because you debt from my checking account and I didn`t have enough funds and my checking account is overdraft , now please send me information about that to make sure the payment

I have a few PDL companies that I need to get the addresses and phone and fax numbers if possible. GRC FUNDING GR ENTERPRISES KINGSTON FINANCIAL IF ANYONE HAS THESE COULD THEY PLEASE LET ME KNOW. THANKS

ARM is trying to collect for instantcashusa.com. Prolem i don't which ARM to send my letter to, There is one in New jersey, and one in Forida....I faxed my original revoke letter, copy of letter from the Oregon Division Of Finance, and the Complaint number with the BBB. I got a recorded call today per normal asking that I call concerning a business Transaction I was conducting. the number dose not match either the Florida numbers or the New Jersey number.

I have been reading the sticky's and I see what to do if they aren't licensed legally in your state but I couldn't find a link to tell if they are or not. Any help would be appreciated! I'm in Missouri by the way.

I have read the laws for RI but don't understand if they only apply to check cashing stores. How do you tell if an internet company is licensed in another state. I want to try and negotiate with the payday companies but don't know how. I can't pay the interest and dont know how I will ever pay the principal. These are the companies I have loans with CMG Integrity Advance VIP 500FastCash United Cash Loans DJR CashNetUSA Cash Advance Network Cash Central Any advice would be great

I owe checksmart 687.50 and i was wondering how i could consolidate that, i simply just cant pay it back and i would like monthly payments who can i contact. I live in the state of OHIO and by my understanding checksmart is the one to harass you.