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Hello..I wanted to know if anyone could advise me how to go about getting out of the hole with PDL's.I am in Arizona so, I'm sure the laws are much different.

Can a collection company text message you so that you end up calling them back as soon as you open the message?

Need advice. I am working on paying off 2 of my pdl's now - these are two legal installment loans, so in my mind they are the priority right now.... Payday One is willing to offer a settlement or working out a monthly payment arrangement, although a supervisors approval is necessary. Think Cash on the other hand is not willing to alter their payments. They are willing to allow me to pay the past due amount and move one payment to the back of the loan. Looks like I'm going to have to make a choice because I'm not able to pay the amount they are both requesting I pay.

I requested TNB to stop Harrassing rude phone calls and mail to me proof of debt/ statement of proof anything to tell me the debt is mine and it has been a year an still NOTHING. I called the other day and they could tell me nothing. But the credit bureu says its legit. WHat is my next step?

We were discharged oct. 08. We have just been notified by attorney saying that we need to maintain the property because of unmowed grass. We told them we no longer own the property, it went back to the bank. They did some research and it came back that the deed was never transferred and we are still responsible for the property and taxes. What do I do? What happens next?

I started getting letters from a collection agency, should I send a DV letter even if they tell me to send payment to OC. I guess what I am asking is everytime they send a letter from a different agency should I request a DV.

First let me say thanks for all the wonderful advice on this forum. It has really been helpful to me. I have started the long and arduos process of digging myself out of my pdl debt thanks to you guys. One step at a time... Just wanted to ask the question- has anyone ever sucessfully worked out payment arrangements with LEGAL pdl companies. I know we have the EPP here but at this point I cannot afford to do that on my storefronts, so I tried it the old fashioned way and sent revocation letters and stopped my checks (the bank also stopped ach debits for those two checks-hope it works).

I posted a couple weeks back about my loan with US Fast Cash - the loan was for $400. I had paid back $360 so far when I found out they were illegal and I sent them an email (with cc's to the BBB and Attorney General's office) letting them know that I know they are illegal, revoking ACH authorization and offering to pay the remaining $40 via money order. They refused the $40 but offered to settle for $160 and gave me 3 days to respond or they would come after me for $520; I didn't respond. That was two weeks ago.

If judgment debtor has no income to garnish and owns no personal property for judgment creditor to try and go after, how else can the judgement get satisfied? Will a judgment creditor even consider a post judgment settlement offer for less than the judgment amount?

My acct will go to the charge-off dept with BOA first of August. The rep told me today there was no way they could accept my settlement offer. I offered 15% hoping they would come down off their original offer but she said they could not go lower than 30% (and this is 30% of the current balance on the acct). She told me they could not go lower than 30% for settlement for anyone - no exceptions. I told her the only way I could do that was if I could pay it out over 6 mos.