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I recently began working with B of A on repaying an overdraft. I had been through collections, which is on my report. B of A at this point is not. Now that the CA is out of the picture (I think), and if B of A starts reporting, what would they report it as? Would the 7 year clock still go from the DOFD or is it all new?

I have several payday loans out and being stupid, I got payday loans to pay other payday loans. I live in Minnesota and am curious, Is it legal for me to just stop the ach fees and just make arrangements with them

what shall I dio they refuse to put it in writing? chaka

My account is now with Cohen and Steers - has anyone done any settlements with them recently? I am 120 days late chaka.

I have just tried to go buy building materials with my incorporated business account and was told that there is no money left because a personal garnishment ordered had been placed on the account and all the money was gone. Is this really something that can be done?

This company is continuously harrassing me for an outstanding payday loan and they have recently sent a collection letter with outstanding debt information, etc to my place of employment. Unfortunately they had an old address and the letter was rerouted throughout the company. It finally landed in my hands but was sent to me inter-office via my HR department and they now want to meet with me. Any suggestions on how I should pursue this and should I hire an attorney since I am terrified that I will now lose my employment over this?

Hi Everyone! Received a letter from GE money bank/walmart card that if they do not receive payment by next due date my acct. will be sent to collections. Would this be considered a charg off? Also, should I try calling them to settle the account before it is sent to collections, or just try to settle with the collection agency? Thanks!

I am retired and currently drawing a retirement pension, plus social security disability. I also entered a debt settlement program in Dec of 2008 due to unsecured debt of over $20,000, limited/fixed income and forthcoming substantial reduction in my retirement pension of about 1/4th of my income. Since the reduction will occur beginning May 1st, I am looking at all means to offset this reduction as much as I can, by eliminating expenses as much as I can plus whatever supplementation I can find.

Hey everyone, I am in the middle of PDL hell like a lot of people on here and it seems like some of you have some legit ways of getting out of it. As my subject line says I am out of MN and these are the loans that I have, all online: Paydayone: $500 Cashnetusa:: $1100 Mycashnow: $1000 Do I have to close my bank accout, and if so can I re-open a new account at the same bank? From reading other posts it sounds like I may only have to pay back the amount I took out? If I have had previous loans with these same companies and have paid the usual fees would that apply to my current loans?

Has anyone had any experience with them and trying to settle I offered about 40% on a debt under $800. I have not heard a thing from them