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After getting a few "offers" in the mail from them I decided to run my credit report with Equifax 3 in 1. Low and behold they made some inquiries back in April. The "Citibank CC" account they refer to lists a balance of $6480 and an offer of $1944. This "offer" is good until August 31st. I have no idea what this is about and it doesn't show on any of my credit reports. I'm asked to call an "Amy Wright" about this. My question is what should I do? Ignore them. Send a DV letter? Thanks

Has anyone heard of Doug Johnson, the advocate from RelieveYourDebt.com? What is your experience with him? Do you recommend working with him?

Over a year ago I received a letter from Eskanos & Adler in Ca. as well as a letter from the National Arbitration Forum concerning a credit card debt. Thank goodness I found this wonderful forum to assist me in handling the issue. I asked for & received the debt verification. I always sent responses to the agency (now Mann/Bracken) via certified, return receipt letter. I also asked for the cease & desist. No more contact from the company until 2 weeks ago when I received a letter from the NAF that the case was being re-opened & I had until the NEXT day to respond.

I am behind on my loan with Think Cash (First Bank of Delaware). I have made my other payments on time, but am 2 weeks behind on my latest payment. Do installment loans go on your credit when you're late, or does that only happen if it goes to a 3rd-party collections agency?

I sent Portfolio a validation request with the usual information requested ie: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent To which I have received a response letter from them that I do

I had a very threatining phone call from a payday loan lender. He told me that he was calling from a law firm but he wouldnt tell me which one. He told me legal action would be taken against me and good luck to me because I willl need it. I told him he was a fake law firm and he hung up on me..I just retained Oak View Law firm, can this company do anythng to me?

Hi I have 2 PDLs. I took both out after my hours was cut at work. That was in June. I made the first payment on both, and then my company layed us all off. I was not able to make the second payment. Started getting calls but I was not home so they left messages on my machine. I had went to my mothers for 2 weeks. When I got home I tried calling them and they were rude and would not accept that I was layed off my job with only unemployment funds coming in. My unemployment does not even cover my regular bills. Now all the calls have stopped.

I live in PA and had payday loans with these two on-line PDL lenders. After reading info on this forum, I closed my bank accts and send the cease and desist letters that were referenced on the forums. My history with them. US Fast Cash - I borrowed $400 in 2008, paid it back in full with all the interest. I borrowed $400 in 2009. I made 3 payments to them on this amount for $125 each. Total payments to US Fast Cash to borrow $800 has been $2,100., so far. Ameriloan - Borrowed $350 in 2008, paid it back in full with all the interest. I borrowed $350 in 2009.

I got a call from Dan Keller (a professor Owner of the company) Told me this is the last draw before legal action would be taken. I asked for their business license and never got it. He made and offer and told me I had 24 hours to get back with them. I am still waiting for the license number for the business and since he said he was and attory, his bar number too. I check myfloridalicense and there is no such company. they said call back at 866655560 the number they called in on is 9046721814 makes no sense to me

Save those voicemails! There are at least 2 violations of the FDCPA there. You can sue them in your local civil court for $1000 dollars per instance. And, do not give them any information unless thay first verify why they are calling and even then, don't give them any bank or personal info.