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I reside in Texas and defaulted on payday loan through Cashnet USA. I am getting call from a Commonwealth Finanacial saying that they are sending the paperwork to my local sheriff department to have me arrested on criminal charges. Can they do this.

I am in the payroll dept. at a major company. Often we get calls to verify employment of which I tell them we only do so in writing. Then I will get a fax from them wanting information. Most of the time it is from CA's. Do I have to give this info? I have tried to file 13 the request, only to get "bugged" by them. So then I will only say yes or no if they work for the company.

Hi my meeting is in the morning and my attorney will be in court so he is sending another attorney that I have never met. I was told by my law office that the attorney really is only there to sit next to you and stop questions that are asked that do not pertain to my account. Being said I still am very nervous for the whole thing and then to have some one else. Just in a panic mode wondering if this is normal practice. Please help!!!

any one use them? their website is lgf101 dot com

Does anyone know who OSL Marketing is? I sent a certified letter to CMG Group and they sent me an email today saying that because I put a stop payment on all ACH transfers to them that they have sent my account to OSL Marketing on 6/1/09 and so far I was never notified or contacted by this company. Also does anyone have a known address for OSL Marketing?

Hi all Just wanted to say thanks -- I've been on this site for a couple weeks and have posted a gazillion questions... I really appreciate all of the wonderful advice and info from everyone. This is a great site with great people - thank you!

Can I trust them? Thanks for your help. Rob

I settled on a charge off account. After the settlement got posted as "pays as agreed" instead of "Charged off" my credit score went down 17 points. Is this account the reason for that drop? I reviewed my report and compared it to my last one and that is the only thing that changed. Can anyone tell me if this is normal after a settled debt?

I know PDLs are a BAD BAD BAD idea...but I a min a very desperate place right now. I need to pick the "least of all evils" right now to get by this month. Are any easier to work with than others? I don't really want to "promote" any particular company, but if there is one out there not quite as bad as the rest, i'd appreciate knowing who it is. Thanks

I think by now most everyone knows I'm filing for CH 7 BK & I just thought of something I had totally forgot about. I have a credit card with American Express - it's a corporate card, my name is on it & right under that is the name of the company I work with. I have not listed that as part of my bankruptcy, b/c I honestly totally forgot about that darn thing. There is a $0 balance and I know $0 balance cards do not have to be listed, but I have also read in other posts that credit card issuers will auto cancel you when you file for BK... do you think I will be able to keep this card?