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I have gotten a letter from NCO requesting income info for my student loan. I provided them with the info requested and the held a "hearing" which stated that it would not cause financial hardship to garnish 15% of my disposable income; however, the amount they have as my monthly income in not even close to what I make. I only bring home $580 two times per month and have 3 children in my home. When I called them to report that my income had been calculated incorrectly, I was treated very rudely. I offered to set up an alternate payment arrangement with no success.

made arrangements with this company, said they would send them in writing, but now won't. Any ideas? Should I send them something and then nothing else until I get it?

Hello, Thanks for all of the helpful advice on this forum--I feel like I might be seeing the light at the end of the tunnel. I have 7 payday loans that I'd like to settle for the principal amount borrowed. I blocked ACH debits from these companies with my bank starting today (my payday). The companies don't know this yet. Should I send my settlement letter to the companies now or wait for them to find out about the debit blocks? Some of them have previously told me that they would only settle with me if I was in collections. Thanks so much!

Well about a yr ago I got the letter from LVNV (Apothaker Ass) regarding my Sears account. Being very uninformed and following their scare tactics I gave in and agreed to put a lump some down and make monthly payments. After 3 months the billing stopped and I was no longer paying the $150. I just received court documents about a judgement by default. Since we settled out of court this wasnt an issue until now. They want the rest of the money and they are blaming me for not paying. It wasnt like I was gonna beg them to take my money.

I was sent a collection notice by the place where I bought my car. They stated that I never paid the down payment on my vehicle. What dealerships allow people to walk out of their building without paying them their money? I've never seen one! Anyways, I paid the down payment with a money order given to me by a live-in boyfriend at the time. He lived in California with me but since has moved back to Brazil. I have no record of the money order and have no proof other than a contract that states the money is to be paid "due at lease signing or delivery".

I'm getting ready to help a family member with their BK Our questions: So far the 2 attorney's we met with are within a few hundred dollars in price...Both are around $2000 to $2300 which includes my $50 for the cert and the filing fees. One attorney said they can pay a $1000 fee up front along with the $50 fee and filing fees with it. The second attorney said they need to pay everything up front. When she asked him he said as the attorney needs to be paid off so he's not considered a creditor. Does that sound right?

A collection agency sent me a letter back in June of 2008 letting me know that they were trying to collect on behalf of the US Treasury for an overpmt of SSiDisabilty 2 years ago. I review my records and it was not correct. I contacted them and explained the situation, faxed them the info and told them I wanted a proof of claim. Then I contacted the Treasury dept and told them I was going through Financial hardship and asked that they not do this because I didn't owe this. They said the money was coming out anyhow. If the treasury made a mistake they would pay it back later.

I have a CA reporting on my credit report for a bank overdraft. I had been working with the CA on repayment but then had the opportunity to pay the original bank directly, which I am doing. Does the CA still have any right to report?

How do I find out if an internet payday loan is illiegal in the state of IL, some fo the pay day loans I have had in the past are Ameriloan Oneclickcash Impact IntaCash GRC Funding Access Processing A lot of these I have already paid off, if they are not legal how do I go about getting a refund from these companies?