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Well last year I got in trouble with 5 payday loans. I sent all the letters and have not heard from them since. I was really in a bind and got two more 2 months ago, I am in illinois and the companies are affinity cash loan and pay day one. I thought these would be better since they were installment loans but I am finding its not. I would like to do an epp with them to possibly help freeze the interest and allow for me to pay the loan off. Can any one help me- I really feel dumb getting involved with this again.

I need a settlement paid in full letter where on the site can I find one? Thanks

I got caught up in pay day loan hell----I read on a post to go to the Washington DFI and see if the were licensed in this state as they are internet loans and guess what only 1 is licensed in this state. So guess what that one i will make a settlement offer to and the rest can go to hell. So it is in anyones best interest to check and see if the scumbags are licensed in your state!!!!!

Hi All, I am rather overwhelmed by the process of cleaning up my credit so I was hoping that maybe someone out there can lend some advice. I have a few items that I am not clear on. 3 are all HSBC - 2 of them have the same account # ( one says HSBC Bank and the other HSBC Orchard) Neither of those 2 show a limit. One that is a different acct # shows a limit and says below that the acct was transferred to another lender or office. I dont see any addresses or contacts - how would I get this? Also, is that legal to count it 2X on my report if it is really one debt?

omg I got the same thing from SKO about owing on Sheer cover, not even to my correct address. I have no idea what this company is.

Has anyone actually ever done business with Topdot Mortgage Bank? I saw there ad on TV and I want to call them to refinance my home. I need to lower my current interest rate. Thanks! Shirley

I finally received the phone call which threatened me with "being downloaded' :) I remember reading something about this on the forums but I wanted to ask how exactly do you reply to such a phone call?? They called my cell phone 3-4 times and then my work number but I can barely understand what they're saying because of a very heavy indian?

HOW EXACTLY DOES THIS DEBT SOLUTION WORK? DO YOU CONTACT MY CREDITORS? IM ONLY IN ABOUT $5,700.00 IN DEBT WOULD I QUAILFY?

Ok here's the deal. I have been making payments to a collection agency in the amount of $20.00 per month, and they have been accepting them. After 5 months I get a letter from them with the same address but different company name wanting payment in full. So, I sent a validation of debt letter. I did get a response that they have the collections on hold until further notice. So my question is....do I still send my payment to them or hold off? I know it seems like a dumb question but I am lost, because I have never had to deal with this before

I did a search for CMG group but cannot get any information from it without having to do an extensive search. I need to know if they are legal in the state of AZ. I just got a call from a guy at DKA saying that he is calling about a bad check claim against me. Hesitated to tell me CMG Group but I got it out of him. What do I do? I've never heard of this and I can't get a hold of CMG Group.