Hi, My name is Adam and I have a question about doing a settlement with a closed credit card account that I have. I currently have an account with HSBC that I owe $3045.85 on. The account has been closed for quite some time now. Over a year at least. I made my last payment on 11/23/2012. I finally called in today after reading over some things. I asked to see if I could talk about settlements. The guy was nice and he said they actually mailed out a letter 2 days ago. He said tat the letter states the settlement is for 2100 which is about 70%.

I initially borrowed $250 from plain green loans and had paid back nearly $400, then took the offer to borrow $500. They subtracted a little over $100 that I had left to pay on the original loan and gave me about $375. I've paid them over $800 total by now and they still want almost 400 more. From what I've read I should be paid in full and then some by now? They keep trying to ram $100 through my bank account every week which I don't have and it's costing me NSF fees. They also informed me that they are adding $5 a day for every day I'm past due.

Hi, I had left US a couple of years back and returning now. When I left, as I couldnt, I stopped all credit card payments. I left my car in the parking lot and called up auto loan company and mentioned that I am leaving the car at that location with keys inside. They told me they were going to come after me but I said I dont have a means to pay.

I had an installment loan with Zest Cash which I now know was illegal tribal loan when it changed to Spot Loan and I overpaid. I received a letter from Stellar Recovery wanting me to pay the balance. Just wondering if anyone knows anything about this company.

I mean, they claim they aren't a payday loan.. but not sure how true that is. I just took out a $500 loan because I couldn't get approved elsewhere and it only occurred to me to google them AFTERWARDS... ugh.. now I am scared they will screw me over and try to hunt me down.. I plan to make the first payment march 22, and then pay it off completely a few days later, when I get my taxes back... do you think they will try and charge me a crazy amount? like keep charging me after I pay it off????

Hi. My husband received a loan from Lakota Cash several months ago. And now he is being charged from other cash places but did not get a loan from them. I also read online that there is a govt act lawsuit against Lakota cash. Is there any way you could help me? Thanks Kel-C

i negotiated a settlement with them lastnight. Debt was 985.00 we agreed on 493.00 by 4-3-13 (Wells Fargo overdraft 2007) The last letters for collection were from RJM aquisitions 2011 I told them I'd send them a cashiers check but I worry about sending it and finding out it's a scam . What do you think?

Hello, I have been reading many of the posts here and have put the great advice to use. There is just one thing that I am having trouble with, and that is finding out if my payday lenders are legal or illegal in the state of Ohio. I went to the Division of Financial Institutions web site and tried to do a license lookup, but I could not get the license roster to download. I am not sure what the DBA names are for my lenders. Could somebody here please help me find out if these following lenders are legal or illegal in Ohio?

I have been getting these calls too. comes up spam 8771999234. Say they are filling fraud charges and they are now a law firm.

I recently went through a snowball effect of life events that have put me in payday loan hell. I have every intention of paying them back but it needs to be on terms that I can manage. How can I do this and which is the best option for me. I understand this will effect my credit, so what is the least effecting? I want to avoid being sued or wage garnishments. I have 8 payday loans, I live in California and I closed my bank account already.