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Its been about 6 weeks since I closed my bank account. I have worked out payment plans with PayDayOne and CashDirectExpress. The payments are not as low as I would like but they said it was the best they could do. I am not 100% sure that I will be able to keep up with the payments but I am going to try. I got so far behind in my bills from these ipdl's I am still trying to get caught up. LoanPointUSA has called a couple of times but I have'nt heard from them in about 10 days now. They refused to work with me on a payment plan.

Friday my small town Wal-Mart will be layong off 9 retail employees, the other Wal-Mart stores in our region will be laying off even more. I simply don't get why they are laying off anyone yet still reporting a profit. They could simply postpone hireing.

Hey All, it's always nice to meet new people..Just wanted to introduce my self as new comer into the forum and for you all please feel free to ad me to your buddy list

Has anyone had success with forgetadebt.com? I have looked at some of the posts but didn't really find any solid reviews. Can you help? Thanks!

I reside in Minnesota and have a payday loan (amongst other) through The Cash Spot. I read through some of the other emails here and I'm still trying to figure out if this particular pay day loan company is legal or not. When I called this company to stop all withdraws from my bank account they indicated that we did not take the loan out in Minnesota, but in Delaware and therefore tell the Minnesota law does not need to follow the interstate commerse. Once i closed my acccount they called and indicated that they would work out a settlement program.

Let's say for example I've had 5 loans with Ameriloan in 2 years and on 4 I've overpaid total of $1000.00 dollars. I have current loan which only looking at balance I'd owe 500.00. Would best thing to do be to say in my letter give me an address to mail MO for 500.00 and in same breath demand PIF for $1000.00 overpayment on other loans? It feels "shady" to say I've overpaid you on other loans and I'm considering that to pay off this one......

I don't qualify for any credit unions in my area and my savings bank does not offer secure cards. I've looked on BankRate.com however I am looking for people's opinions and experiences on what the best secured card is to get. Thanks!

I admit I owe debt for student loans. I had been filing for deferrments. I had been getting collection letters from NCO, but recently received a letter telling me that my student loan account was sold to Allied. One day after receiving the letter that Allied now had my account, they were calling me at work threatening wage garnishment. After I had agreed to set up a automatic deduction plan for the next 10 months, I discovered that Allied also offset my tax refund.

does the bank can freeze my bank account if we are the victim of fraud?

Heck with these settlement companies. Just beware, that the money you are paying them at least 75% of the fees for the first 12-15 months are going straight to THEIR fees. Buy the time I would have enough saved up with a settlement company to settle it will be a year to settle anything. I"m so glad I found this forum and did lots and lots of research before making my decision to do this myself.