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I live in KY and am drowning in pay day loans. I need some quick advice and good help

I was just contacted by a CA about a CC I do not believe is mine, but they say I signed to open it. My credit is awful, I can not even get $5 if I asked the bank. They say they will garnish my income tax. What are my choices in this matter?

has anyone dealt with them? any good news or bad news? the office that hounds me is from ohio..yes they still call despite c&d letter, and call frequently...i'm starting my documentation shall i need it in the future...any advise on em would be helpful...thank you..

I got a call from a bottom feeder for I think they said National Payday. (I overpaid & closed account, sent letters, etc. ) The number is 201-234-4071. It is unlisted # in Jersey City , NJ. Was foriegn voice, get my attorney, yada, yada, the whole predictable routine. Thanks

Sallie Mae missed one when they approached me to consolidate, that one is now in collections and the collector wants $5,000 and is nasty, Sallie Mae rep that I call in India says Sallie Mae wont take ownership of that loan back and I have to pay the collector's fee. Sallie Mae admitted the error? What are my options?

It just happened I'm not quite sure how - except that my husband lost his job right before crashing the car; my sister went through a horrible divorce and needed money for a lawyer, my brother run into some financial problems of his own and needed "a little help" paying his mortgage, all the while I'm giving out my cash to my family, I'm using my credit cards to meet my own needs, then depression set in....Now I'm facing 50 scare I too might lose my job, trying to pay off everything and I can't sleep at night...

Can anyone honestly tell me why their debt management program failed? I mean honestly!

i have collection accounts on my cf. when i disputed them b/c of inaccurate info, one bureau deleted them. the other two verified as of 6/09. can i get these inaccurate accounts deleted from my file? what should i do next? thank you...

Hello. I read from site regulary but have never posted, however, I've been googling for hours looking for a solution or adive for my situation and I'm frustrated.... I have been unable to figure out how EQ can "verify" medical accts I know were in a 2003 BK. TU deleted and Experian disputes still pending. TU score is 610, Exp not far behind and EQ is 490 something!! EQ never changes. I'm trying to buy the house and EQ score is really going to hinder that possiblity. So Merchants Cred and Audit & Adjustment did not respond to DV.

I appreciate any help you can give me here. I recently took a look at my credit report and to my surprise there was a debt collection on it that I had never heard of before. Its dated 11/07 and I managed to track it down to it being dental related. So found out it was from dental work that I had gotten many years ago. I think it was in 2003. Im wondering why I was never contacted about it if it was put on my credit report. I contacted a debt agency to try to get it paid off and it ended up going through Allegro Law.