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Has anyone read about this? If you have a credit card and they are increasing your interest rate because you have reached your credit limit, apparently there is an option to "Opt out of the rate increase". I read an article at the link below about this but I'm not sure I quite understand the benefits of it.

800-309-2251 the message was so garbled i think on purpose i could hardly make it out

Subject: Course of Action against Palisades Collection: In February, Palisades Collection started calling me every day except weekends. I filed complaint with the Federal Trade Commission (FTC) about it. The FTC handles complaints from the Federal Communications Commission because they are one in the same now. If you have a complaint about calls from Palisades, contact the FTC online and file a complaint. Also, if you do call Palisades, don’t give them your social security number. Chances are they only have the last four digits.

I have a good amount of private consolidated loans with Sallie Mae. My monthly payment is ridiculous and I take full responsibility for it. I have no other debt but have 200k in private loans and my credit is great. The problem is I can't reconsolidate because my debt to income ratio wouldn't allow it and really wonder how the heck Sallie Mae approved me. I have talked to a lawyer and he thinks a chapter 13 would atleast buy me some time to where I could be making more money in 5 years.

Has anyone used this company? I am considering it for loan modification.

I have the same questions as joeblow posted on sunday, febraury' 09 but i am in California. I was making payments on my judgment (Attorneys Office), but my hours at work were cut and i couldn't afrord to pay them. They were unwilling to work with me and therefore they want to garnish my wages and if they do i'll be out on the street! what is the proper proceeder i will need to take for CA law? If any one could guide me in the right direction maybe i can sleep better at night. Please help me! Shells

The loan shop online keeps e-mailing and calling me claiming that I owe them money. I have had a loan with them in the past (7/07); however, I do not believe I owe them what they say I do. I have asked them to send me, in writing, details on the amount of the original loan, any payments made, fees etc, to show how they are getting to the amount they are claiming. This has been going on for more than 8 months. They keep asking me to send them a notarized release in order for them to send me personal information. They will not say what is suppossed to be included in the release or anything.

recv cout papers 11/18/08. answered and also had court stamp copys of answer and DV letter sent to lawyer (LEVY)... had pre-trial hearing 1/13/09.. LEVY fax a different lawyer to show up 7:30 fax came hearing with Judge was at 8:20. Judge issued a pre-trial discovery for Plaintiff ( Good old DV letter) last week court sent a letter stating Denial that we ever had any CC with this account # was not a good enough def. Plaintiff has still not answered anything from the DV letter or pre-trial order.Judge has given until Monday 4/14/09 4:00 for us to re-answer same questions.

Like many people here I too got a phone call from Mr. Sargent demanding full payment of a payday loan otherwise I would be served Court papers and be charged with fraud. What I want to know is: this debt originated in Nova Scotia but now I live in Ontario. Can they even collect on an out-of-province debt? Also, if they actually proceed - could I nip this in the bud by making a partial payment to the creditor? I'm documenting all correspondence since I'm told threats of criminal prosecution as a means to collect on a debt is actually extortion. Thanks!

I still seem to have a great deal of difficulty posting here at the forum, the pages load slow. I don't seem to have any problems anywhere else but here. :?