I currently have a 500fast cash loan which I barrowed 550.00. I have pd. 555.00 to date and noticed it showed i still owe 650.00. Is this company a legal company in Michigan? From what I am reading and researching it doesnt look like it is. So the acct. should show pd. and closed correct? I contacted them by chat session and was told i still owe the 650.00. once I started talking abt. them being an illegal company I was told to call and speak with management. I am going to close my bank accts. so they will not have access to them anymore.

It it my understanding that this debt is past the statue of limitations(3 years) for that state(north carolina) and they should not be able to collect this from me. They never once contacted me between the time i moved out, to now. Out of the blue i get a bill for $186. I do not want my credit to be hurt in anyway because of this, but i also do not believe i should have to pay. They're saying the $186 is for the cost of cleaning the apartment after i moved out. What should i do?

Please help! State of NM has a levy on my checking account- I am on SS disability and I now have no way of getting prescriptions, food, gasoline et. I have over $350. in insufficient funds fees at the bank and I don't know what recourse I have

So I like many here took the desperate leap into a payday loan to help me out of a bad situation only to get into a worse one. I stopped paying (after paying the principal) changed my bank acct, and requested validation of debt. VIP never sent me one. I hadn't actually heard much from them at all but...now I get calls from "United Recovery" saying that unless I pay they are taking me to court. I ask for the validation of debt and not admit anything to them and they put me on hold and get the "manager". So after I spoke to them yesterday, they call my husband.

Hello, I am a resident of Canada and have a private student loan in the state of NC. The loan is pretty big - $100k+. I am very close to defaulting on my loan and the lender as done as much as they can to help. My questions are: Can they garnish my wages in Canada? Can they report to credit bureaus in Canada? I have a small company that has a bank account in the US, can they seize that account? One of my company's clients is US-based, can they garnish the amount he pays to my company? I am not a US citizen or a Canadian citizen.

I am trying to settle a debt with United Recovery Systems. Has anyone had any success?

I am so thankful to have found this forum, and it has given me a lot of strength to get through what could possibly the worst time of my life. We have had some family emergencies which wiped out our "cushion" fund, and in haste I applied for payday loans. Now I have 8 current loans and I live in NC, so I know that those loans are illegal. I have already started the process of contesting all the loans by closing my account and sending revocation letters. NatonwideCash is the first to respond and I am trying to figure out how to respond back.

Hi everyone. I am drowning in the payday loan trap. I have three internet payday loans and I feel totally stupid for going this financial route. I live in West Haven, Ct. Plain Green--installment loan $1000.00--$125.93 is debited from my checking account bi-weekly. I took the loan out in September 13, 2012, which I am sure I have paid the principle. CashJar --bi-weekly ach debit $750.00--$187.00 is debited from my checking account bi- weekly. I have paid them four consecutive times.

Recently I sent a debt validation letter to Portfolio Recovery Associates (PRS) using information found on these forums. They sent a letter back with my name, amount of debt, original creditor and last 4 of my social, as well as when the credit card acct was opened. It did NOT have proof of signature showing that I opened the account, nor any true proof that they own the debt -- just the standard form letter with the aforementioned information. 1) is what they sent good enough to be considered PROOF -- as in, can further action be taken against me.

I'm an idiot..just getting that out of the way. I was scared I'd be paying..reloaning...paying..reloaning with them for the rest of my life. I stumbles upon this board and decided to get out! I live is Massachusetts. I've been reloaning with zip for an embarrassingly long time. My current loan is $455 with zero paid because they don't allow rollovers. I saw in numerous other threads that people can attempt to say their fees on previous loans warrant a PIF on the current loan. I've paid...brace yourselves probably about $3000 in fees. Like I said...embarrassing.