I received a v/m on my cell from a Mr. Neal Shaffer (561-372-5762) stating he is a fraud investigator and will be sending people to my house to question me regarding an old payday loan. I called him back and he is stating it was for a old payday loan with Cash Jar and that I closed out my bank account (he had by old bank name and account #) and I will be charged with wire fraud. I explained to him Cash Jar was not legal and I paid over and above what I should have paid. I tried to goggle the name and nothing comes up. Any suggestions on how to handle this?

I received a weird call today. It came up as a blocked number so I didn't answer. The message said it was from Erin regarding a case that is going to be filed against me for two counts of check fraud because I closed my account. She stated that she had to legally call me and explain this was going to be filed in my county courthouse which she named. She did not leave a company name but an 888 number. I returned her call just now figuring no one would be there because it is very late. The v/m just says hello you have reaches Erin.

Hi Nelly,My debt amount is around $3500.My Monthly Income is usaually $1200,credit score is 509....Can you guys help me?

I would like to know if there are guidelines for requesting partial payment from debtors. For instance, the amount owed is $1,000 and the amount required from the collector was 10% per month ($100;00). Is this the norm? Or is it up to each collector??

I have a $0.00 balanceon my credit report with IQ Data Int. I called and asked for somethng that said my account was a $0.00 balance and was told it must have been sent out and I should find it. When my credit is ran, it is still on there but with a $0.00 balance and I keep getting quesitons about it. What do I do?

Due to lack of credit in 2008 I purchased a car from a "buy here pay here" place. The car had a system in it that if the payment wasn't made on time the car wouldn't start, I went to leave for work one day after having the car for about 6 mths and it wouldn't turn over. Of course the "limited warranty" I purchased was very limited and I went through hell...I ended up having the car towed and having someone look at it who determined that this system they had in the car fried wires.

A judgment was issued against my wages for something that supposed to have happened in 2004. Isn't the statue of limitations for Washington DC 3 YEARS

Hello this is my first post My name is Eva I'm 29 and I livei n NY. In 2009 I remember taking out maybe 3 PDLs and paying off most but I closed the account without even giving the balances a second thought. About 8 months ago the phone calls started coming to my job...I asked them not to call there but they didnt listen, anyway income tax time I thought I would do the right thing and I pay off what I owe. Today a 5th one called me and I know I don't have any more.

I live in Michigan and had to resort to online payday loans due to my hours at work being cut. I need to know if these loans are legal and what happens if I fail to pay or fall behind in making the payments. I'm scared ill get fired if these lenders call my job. My nerves are shot. Here's the loans I have taken. US Fast Cash - $250 Gateway Holding - $200 Now its not much money but when I'm barely getting 30 hours a week now at work and with kids to feed every dollar counts. Thanks for your time.

i have just received a letter from the collection agnecy stating that my account has been "settled in full", how does this affect my credit?