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I am rebuilding credit and just got a first credit card, First Premier. I know it's not the best option but I got it and need to make the best out of it. How should I proceed? credit is 250 fees are 175 real lefto over credit about 70 minimal payment on my first statement is 25 should i/must i simply pay off immediately all 170$ and just keep the card or what should I do to make the best of this and have them report regularly? thanks for any advice!

Hello Everyone. I have been reading eveyones comments and I need some help. I am not comp literate so bear with me. I have a Cash Call loan of $5000.00, payment is $254.03 monthly, Brookwood paymnt of 94.98, and abt nine PDLs totalling abt $3000.00. Every payday my entire check goes toward the interest for the PDLS. I have tried to pay them down but with other debts such as hse bills, rent, car paymnt, ins, food etc, I have to keep getting diff PDLS to almost make ends meet. I need help to get out of this situation as quickly as possible.

Hey guys, so far I have absorbed some really great info from this site and I am very thankful. However I have searched and searched, but I would like to know who the moderator of all moderators is. I need to address something with this person, which is not appropriate in a public forum. Thanks!

Hi: I posted originally about my payday loans and have worked out payment plans with 2 of the 3---yay!! Titan, however, are being total jerks and have been debiting my account. My bank refuses to stop ACH w/d. Should I just change banks at this point. Or should I try to speak to a supervisor? My bank is USAA and they are in Texas and I am in IL, so I just can't walk in there... OR...should I find a lawyer?? Thanks, Diane

I just got a call from my ex husband who told me that someone named Mr. Collins was calling his sister about me. Gave him the phone number of 866-536-8963 and 585-200-3221 and told him that they are looking for me. He told them that I had fraudulently passed checks on a closed account for a payday loan and that they were taking my file to the district attorney on Monday if I did not pay them $811.25. He told them that he didn't know anything about it and didn't know where I am. He told them that we were divorced and that he doesn't talk to me, only to our daughter. Mr.

Hello Everyone, I am happy to report that I received a letter from in response to my April 2, 2009, letter to Cash Transfer Centers dated May 4, 2009. The letter states that we are forgiving your loan due to your expressed hardship and that my debt is considered paid in full and that all collection activity will cease.” It also went on to advise that I would not be able to utilize their services in the future and that the laws of Malta override those of California. Thanks to all of you, I am free of Cash Transfer Centers.

Does anyone know of what PDL has Cottonwood call regarding your loan? Their telephone number is 1-888-581-3447. I've sent the letters to the illegal companies and now I am ready for the flood of calls. Thank you!

Hello..thanks for your time I am absolutely clueless on the workings of the loans systems, I'm pretty much a financial moron when it comes to lingo and technicalities. That being said..can you help? I have had a student loan which is a GSL(not sure what kind of loan this is or what it means, but hopefully it will help you help me). It has been in default for years. I was young and dumb. I have moved from state to state(being i'm an Army wife), and it hasn't caught up with me until now.

Two years ago I signed up for DirectTV satellite service through my phone company. Before signing up I upgraded to a DVR receiver but was never told it would require more than a one yr. contract. All inquiries w/phone co. were by chatting w/phone co. tech and all chats WERE SAVED BY ME to my hard drive. When I cancelled at the one year point, I was charged an Early Disconnect Fee of $150. I have spoken with and submitted my proof to DirectTV as well as a collection agy. It has now gone to another coll. agy.

is it legal to go to a payday loan eliminator company to get payday loan relief?