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I recently took out a loan with the Cash Store and was wondering how they work, are they legal in TX, and how does their collections work?

Hello, and thank you for this great forum. I received several collection letters from various debt collectors, and ignored them. I now realize that I must reply and I intend to ask them for debt verification. They do state that I must reply within 30 days. One is from August of last year, another from February and March of this year. Is it too late to reply? What do I do now? Help !! Thank you in advance for any suggestions on what to do. Broke guy

Does anyone know of any pther websites (other than Craigslist) where people can advertise if they have a part-time job opening, or need some help around the house or something? I exhaust Craigslist practically every day, I just wanted to know if anyone knew of any other similar sites.

Yesterday I received a summons from Mann Bracken, which I validated with the court. It is for an account that I owe approximatley $18,000 to HFC. It says I have 30 days from the date I receive it to respond. Any suggestions as what I should do now? Should I send a DV letter immediately? After I do that, then what? Any help is appreciated.

I currently live in Indiana and I have two internet payday loans I owe at this time. The first is with e-payday-loan.com and I am rather sure they are breaking several laws, as I can find NO info on Utah or Indiana's DFI site. The other is with midwestloancenter.com out of South Dakota. Can you please help me determine if these two are able to give out loans in my state, what they can charge, and what I can do if I feel I have been wronged. Please help, and thank you!

Hi there, I am a single mom and to sum it up I have just gotten myself in over my head in payday loans. I am current on all of them (embarrassed to say that I have 5), but it is literally taking my whole paycheck now. I don't have enough left to pay my bills.

Just wondering if anyone knows to whom this number belongs. Calls constantly - no message. When I answer, it clicks and disconnets. When I call back, it clicks and disconnects. Thanks.

Okay, so I've heard a lot of people say Bank of America is bad, or SunTrust is bad, or BB&T is bad, but are there any GOOD banks? Any banks someone would recommend?

I had an MRI in September. My insurance paid all but $300 of the bill. The MRI facility sent a bill and we made a small payment. Then every month they would send a bill with the new balance and we would send another small payment. Yesterday I got a call from a very rude CA saying that if I didn't pay the remaining balance of $135 immedietly, she would report it to the CRA's. I have never gotten anything in the mail from anyone saying this had been sent to collections. And why would they send it to a collection agency if I was paying it?

I ran across this on another forum this morning. Case law that a JDB must prove all charges on CC debt: http://bulk.resource.org/courts.gov/states/Ohio.Ct.App.04/2004-ohio-623.pdf