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Does anyone know if Wachovia formerly WFS Financial is reaffirmation friendly? I am in my last year of a 5 year term of paying for my car with several late payment records. I'm filing chapter 7 bankruptcy. My biggest concern is not loosing my car. The value is slightly higher than what I owe but I will be well withen the exemption amounts. Current payoff amount of $4700 and the value is about $1000 - $1500 more. I was told that the car loan companies usually will draw up the reaffirmation agreements but I'm just not sure what to expect.

Is Payday One a member of CFSA?

So in April Discover was awarded a judgment against me using WW&R. I then recieved a letter from Mann Bracken thinking they were doing post judgement recovery. I tried to get ahold of them with no luck. I berified with Discover that the account was now with Mann Bracken. Well I went online yesterday to my counties public records and it looka like Mann Bracken has filed arbitration against me on behalf of Discover. What is going on here? I live in PA Thanks

I live in California. I have 4 pay day loans that are due right now! I have filled out my chapter 7 bankrupcy forms and completed my prefiling counseling. I'm torn on what to do with the loans that are due today and tomorrow. Right now I'm choosing between renewing my loans or using the money for the filing fees. Even if I file today, notification to the companies wouldn't be quick enough. I would have filed earlier in the week but I didn't have the money until I got paid. My paycheck is really small right now because I'm on medical leave and using integrated sick leave.

I live in California. I have 4 pay day loans that are due right now! I have filled out my chapter 7 bankrupcy forms and completed my prefiling counseling.

Here is the Ameriloan response: To Whom It May Concern: We recognize this complaint as a response to a template of a form letter circulating the Internet. The customer also sent us an actual copy of the form letter inserting his states information earllier this week. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted.

For example if I send off a dv letter to a CA and have'nt heard back from them in 30 days can I consider them gone or can they take as long as they like to validate? One is a legit debt that I am waiting for the validation to pay and the other is from an illegal pdl.

Hi Again, So I disputed a charge on my CR from National Credit Adjusters that came back that it was indeed mine. I want to details. Is my next step a debt vaidation to them? If they dont validate the debt, what happens since th Experian did? Thanks, Danielle

Hi, I stumble on this forum after I searched for payday loan consolidation. I live in fl and I currently have 4 payday loans out. One is a store front and the other three are internet. These are One click cash - 200(paid 60 ) ace cash services - 200(paid 120) united cash -150 (paid 45 ) the store front is from easy cash and is 400 I've been using the local store for over 7 months as I've had to reborrow the money everytime I pay them off.

I am going to default in a few days on a loan from Cash America. It is a storefront in Texas. The loan is 800. I have had it for about 2 years. They offer an EPP but I don't have the money for it either. I am going to close my bank account as I have already opened a new one at another bank. What should I be expecting?