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I have been reading several of the threads regarding PDLs, but I am not quite sure how to search them to get all of the answers I am looking for. Like many of you, I tried to solve financial problems with a PDL and then I got another PDL to pay the first PDL, and so forth and so on. I finally realized I was only making things worse when the total of my PDL payments amounted to about as much as my pay check. I have already changed my bank account, but I still have questions regarding how to handle the lenders. All of my loans are internet loans.

Hi all I have been reading over several of the posts and been impressed with the amount of help/advise that has been offered to other posters. Well now I am needing some help/assistance of my own and really hope that I could find a solution to the current pdl's that I have. I am in Texas Current Loans:(all online) AmeriCash Advance owe $612.50 Pay Day One owe $736.15 Cash Net USA owe$313.27 The 1st two are both due 4/10 and the last one 4/27. I have been renewing and renewing only to see that the balances have not went down AT ALL.

Hello everyone, My wife currently has about 36K in student loan debt. about 14K of which was a private loan. Does anyone know what kind of rates are currently being offerred if we were to consolidate them? I think her lowest rates are around 6.5% but some are around 8%. I just figured with rates in general being low right now due to the economy now might be the best time to do it.

I received a stack of bank credit card statements from Mann Bracken as validity for the debt. Does this suffice or should I request a letter or contract they have with the bank.

I just noticed on two different credit reports that the dates and charge off amounts are different. One credit report says that 574 dollars was charged off 8/04 and the other credit report company shows, for the same account that charge off was 1175 dollars on 11/04. Can anyone explain to me why OC is reporting one thing to one credit report and reporting somthing else to another?

i owe 12 hospital/lab bills that are charge offs that i would like to settle on. they are not past sol yet. senex the collection co said i should make AN OFFER. WHAT IS A FAIR% TO TAKE OFF and should i get a settlement letter from them before i pay them any money. also is the % the same for charge off credit cards :?

Can a collection agency call you at work and leave a message for you on someone else's voicemail?

:? I am 5 months in on a 48 month DMP. I have 30k on the program. My problem is that while my interest was reduced on all my accounts, the minimun amount required only $125 less a month than the amount I could not afford in the first place. I have a security clearance to maintain that's why I did not do a settlement program, I can't have more than $5000 in collections at any given time. I think bankruptcy is treated the same.

Gosh...I just noticed on two different credit reports that the dates and charge off amounts are different. One credit report says that 574 dollars was charged off 8/04 and the other credit report company shows, for the same account that charge off was 1175 dollars on 11/04. Can anyone explain to me why OC is reporting one thing to one credit report and reporting somthing else to another? Argh!

My credit on both of the other reports has improved considerably during the last few weeks. I called Experian today and asks them to correct my name to my current and legal name rather than one used in the past. The person said it was done , she would send me an updated report. The old names still shows. Now it seems that Truecredit gets things accurate within say 48 hours, Equifax immediately But isn't the important one Experian? My questions: 1. Which of the three agencies have you used for monitoring credit and changes and what has your experience of each been 2.