Search forum

I have a question. :D Is there anyone here who signs up for free samples at certain websites? Which are safe and how can you tell the difference? Approximately 9 - 10 months ago I signed up for several free samples but never received ANY. I am however being bombarded with junk mail from companies I've never heard of before. It makes me wonder if all this signing up I did isn't the reason for all the junk mail. I know this is all new junk mail because I relocated to another state last year and haven't used my new address for anything other than local stuff.

Hello i defaulted on my loan with CTC and I told me employer that i decline any wage assignment that the company be send. I sent CTC a letter revoking my wage assignment and telling them that I did some research and found that they are not following my state laws on payday loans. They are sticking with their laws and I told them that I was lawfully responsible for the principle only.They I filed a complaint with the Attorney General and I also received a letter from them stating I can make four payments to pay the account off but I can not use their services again.

Maybe I am wrong in assuming this but there seems to be an individual/s who is joining this forum repeatedly under different names; such as fiamrudb, wgiaxrln - just mixed up letters of the alphabet. Anyway, they continually post crap like: ahkjak, ajhdja, akjdla, etc. They move on and join under another name and do the same thing over and over. They must have entirely too m uch time on their hands or something, it sure is annoying! I must have deleted more than a dozen posts of this nature. :shock:

I listed on my bk that I intend to reaffirm my car note. I haven't done anything else with it and I get a packet from Weltman, Weinberg and Reis the other day with the reaffirmation paperwork. I've dealt with these bottomfeeders in the past so I'm a bit leery of dealing with them on this issue. Should I call the OC and see what's up or just do the paperwork or just ignore it? I've read a lot about reaffirming debts and most articles say not to do it but to just keep paying the note and the OC is usually happy with that. Thoughts?

A few months ago I was receiving calls from Christian Nicholas and Associates (CNA) regarding a supposed payday loan that I owe. I did have some payday loans out about 18 months ago, but have since either paid them off and/or sent them cease and desist letters notifying them of my overpayments to their "illegal" companies, even asking for refunds from some. Well, I got no refunds, but the calls did stop for a while. I even filed a complaint with the Ohio AG office and got a letter from CNA telling me that they would take my name out of the database, and the AG closed my case.

Are the lenders that are hiding behind "tribal laws" able to back up anything? I live in MS and have 9 that i am trying to get out from under.

A collection agency is wanting to make a settlement offer of $159.41 for an outstanding $250 Sprint bill. The collection agency name is DCI out of Jacksonville Florida. We wanted them to send us the settlement offer in writing to us via us mail and they said that the offer was only good for 24 hours and that they can send the limited time offer in writing only through e-mail. My question is, is a settlement offer sent through an e-mail as binding as if sent through the mail? Can they be trusted?

This company only helps if you didn't get a payday loan at a storefront.

Hello all, I just want to say that I have been learning so much from these boards...it's amazing. I am currently drafting up C & D letters. I have not been requesting a refund on any overpayments, but simply asking them to cancel the loan and issue a PIF letter. But in explaining to the companies that I have, in fact, overpaid, is it okay for me to include the illegal fees that I paid with previous loans with a certain company? For example: Let's say I have had two pdl with a company. I paid the first one off ($975.00 in fees and $300.00 principle) and currently owe on the second.

I am fast approaching charge off with Capital One. However, they are not easy to work with. It may have something to with the fact that I am located in Virginia, so they can easily sue me. I was just checking to see if anyone has tried to deal directly with them recently. If so, were they willing to settle for a decent percentage? From what I can tell, they don't seem to be working with anyone lately.