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So most items like credit card debt can remain on the account for 7 years. Understood.

Hello, I am new here but have been "perusing" this board for some time now. I have learned things I did not know and found to be extremely helpful. I "stumbled" upon this board when looking for information on payday loans. Our situation is as follows. We are in Massachusetts and from my understanding I found out by "reading" this board that PayDay loans are illegal/prohibited in this state. We took these out because of unemployment (3 times in 8 years for a total of 2 1/2 years) to help with rent, prescriptions, food, bills, you name it.

What do I do if the Account #'s on the credit report are not complete? I'm trying to send validation letters but I can't because of the account #'s being incomplete. Please help. Also, I received a letter from a creditor and it said that Experian told them they must put the collection on from the date THEY received the file is that correct?

I got a garnishment from a VA court for a credit card debit. I live and work in NC. Can I have this stopped & how?

I know this is not an unusual story. My question is what is the best way to approach this debt and how/what are likely best outcomes. The story After moving from an area I began to use my HSBC checking and savings accounts less and less and finally called them and asked them to close the account when it was down to something like ten dollars. I then started getting overdraft notices. I called several times asking them to close the account. They said they could not dure to the overdrafts.

What I have done So Far

*I am disputing arrow's entry on my credit report for $864 for an HSBC credit Card *At that same time I called Arrow hoping to get more information to confirm the debt and if confirmed offer a settlement amount. *They said they were no longer servicing the debt and gave me the information for Redline Recovery *I called Redline recovery and asked them to send validation so that I could investigate if if necessary make a payment an arrangement with them this was about March 11th or so *I then sent a request for Validation and all communication be in writin

Do the interent payday loans have this wage assigment to or is it for the ones that you are face to face with? I have interent payday loans. I have seen some postings that state you have to sign in person and I haven't done that.

Question:

I've been hanging in there for about 5 years trying to knock down the balances on 5 cards totaling about $20,000. Seems I've gotten nowhere once the interest and charges wipe out what I've paid. Now with a down turn in my business I've decide I'm through playing and want to settle these debts on my own. Can that be done? I'm broke but can I do what a debt settlement company does and start saving in my own account with the intention of offering a settlement down the road?

I live in Florida. I have 11 payday loans now because i don't have the funds to pay the finance charges on each pay period, so i'm in a vicious cycle of getting new loans every two weeks so that i can have cash to survive. Then the next payperiod, i'm in trouble again. I dont want to default on any of these loans, but 4 of them are way overpaid because i'm only paying the finance charge. How do i know which of these loans is legal? What about the contract that i signed on each one? Is that not a legal document?