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I really don't know what to do or even where to begin handling this. I am with Progressive to pay off some past PDLs (storefront and internet). I got into yet another financial bind and what did I do? turn BACK to pdl's! I have now racked these up- City View cash-390 paid 90 United Cash Loans-260 paid 120 Payday Loan Yes-455 paid 315 (I believe) E Payday Loan-260 paid 120 Payment Direct-289 paid 89 Green Light Funding-260 paid 0 Check n Go Online-310.97 paid 0 I live in MS. I do not really understand the laws. What should my first step be? How should I handle this?

Paid an agreed upon amt to a creditor last wk. Did not get it in writing. This collector assured me that no other collection activity would go forward on the acct. A wk later, I recieve a letter in the mail for the entire amt! I contacted these people and spoke to a man at first, and before I could fully engage him in conversation, he hung up on me! called again and spoke to a woman. She stated that bill was not paid and that I owed the remaining balance and then she goes, Oh, wait...this acct was settled, you can disregard the letter.

Hi, I sent a C & D letter to UCL about 3 weeks ago stating my intentions to repay the principal amount I owe. I requested their physical address so I could send a money order. I hadn't heard anything from them until today. I recieved the folowing email. Please advise me on how to respond and what I should do next. I do know that I am not sending them any account information!! Thanks Dear #### ######: United Cash Loans Department now holds account ####### which is in a final collection status. According to our records, your outstanding balance is $640.00.

I have an old defaulted Perkins loan that it not showing up on my credit report anymore. I am consolidating my Stafford loans and paying on the graduated plan. I just started doing that so I can still add the Perkins loan to my consolidation. It says to be able to add it to my consolidation loan I need to be on the Income contigent plan because it is a defaulted loan, but I would rather stay on the graduated plan. I read on the site that if I make 3 satisfactory payments to the school I can keep on the graduated plan.

They are the WORST EVER! Threats, harrassments, all day calls, GARNISHING WAGES!! How can they be stopped???

I had some internet pay day loans that were not licensed to operate in my state. (I checked this out with the Dept. of Finance in my state.) I wrote the pay day loan people the certified letters. After some unpleasant phone calls they quit calling. Now about 3 months later I have gotten a bill from a collection agency concerning on of these unlicesed/illegal internet payday lenders. Do I have to now pay the collection agency if the collection agency is licensed by my state? This particular payday lender collected $900.00 on a $300.00 loan.

On my husband's credit report was a medical collection for $500.00. We didn't know what it was for, so I called the collection company. It's Northwest Collection. When I called they told me when it was billed, how much the insurance paid and then demanded a credit card. When I said I wanted to look into this the woman told me that she was going to put me on the bill as well and she could do that in the state of Illinois. Then she told me that I shouldn't bother calling back without a credit card. Can she just put me on the bill like that?

Mark A Cella tried to convince NACA lawyers to join his fraud....Cella landed a big ZERO! Doesn't your firm's success start with Slam Dunk FDCPA cases?