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I took out about 4 loans for one for 350 which is at 455 with the fee and 2 for 200 which is 60 for each so 520 and one for 200 with an 89 fee to pay off bills and such now I find out I'm gettin laid off in a month and need to save my next to checks to fall back on for my son what can they do inb the state of ny?

who are you and why do you keep calling my home?

If all my credit cards are in collections, would debt consolidation still work?

We have a new member whose single post I deleted. It let to his brand new Twitter page: http://twitter.com/paydayloanhelp Which links to his PDL site: https://approvedcashnowapp.com/

Has anyone dealt with Consumer Credit Counseling Services? I'm getting ready to contact a credit counseling agency for advice, are they any good? I'm a little weary of them since I found them off Discover's website but from their page they look good.

I am trying to settle my debt with EZPaydaycash.com. I had a loan with them for 500 and refinanced on 4/24/09 in which I paid the $150. Then I defaulted on 5/22/09 because I closed by bank account and they were asking me to pay $650 in full this week. I emailed them a letter similar to the one on this site about them being an illegal lender in Texas twice and I got a response back today that says this: We will settle for the original loan amount of $500. You have paid $150 on 4/24. Your remaining balance is $350. You can submit payment via cashier's check or money order.

I can already see where this on is headed. FDRS or some such nonsense. I would say this member bears close monitoring: http://www.debtconsolidationcare.com/mystory/about70230.html

I believe my husband and I are in a position for Debt Settlement but not sure. We presently have alittle over $60K in CC debt and all cards are maxed. The interest ranges are from 11% - 25% This has been the first month we have been late on any of them, and it doesnt look like that will change. My husband just lost his PT job which was an additional income.

Has anyone ever heard of Revenue Reporting Services in New York? When I asked who the creditor was the young lady covered up the phone and asked someone "Where do I look to tell her who the original creditor is? She wants to know." I did get a fax # so I could send a debt validation. What bothers me is that they called my mother's home and told my mother that they had filed suit against me and needed to contact me. But of course, Ms "I don't know where to find it" didn't know anything about that. And yes it was the same young lady that called my mother. Anybody had to deal with these clowns?

I got paid today and my check was garnished by Americash Loans. How to I stop this immediately? I can't pay any of my bills now.