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Do I have to keep paying on my payday loan?My state says that it is illegal.What should I do?

I am not proud of this but, I have a couple of really old credit cards that I defaulted on about 10 years ago. In my state (KY), the SOL on open-ended accounts (credit cards) is 5 years. From time to time, I get a letter or a phone call from someone about these. Usually, I don't answer or respond but, after all this time, I wish they would just stop! How should I respond to these letter and how do I get them to stop calling? I don't want to do or say anything that will cause my SOL to start all over. Thanks.

I bought a car through M&T bank. When I signed all the papers there was one in there called Addendum to retail Instalment Contract. In this addendum it explained that I was not responsible for the "GAP Amount" after paying 3 months on it I was in a accident where the car was totaled. My insurance paid the bank what the cars actual cash value was and I assumed that the banks GAP amount would be taken car of by the bank. I recieved a 1099c form for around 8900 dollars. Which they letter had said was canceled debt. Am I responsable for claiming 8900 as income?

I received a dunning letter today from CardServicing Center, a third party debt collector, for an alleged CC debt for nearly $4000. They're offering a settlement of $2,286 or a payment plan. Supposedly, I have 30 days from the date of the letter to respond with a full settlement or payment. I'm sending them a debt validation letter. But I noticed something very dirty that they're doing, which I feel is in violation of the FDCPA.

i got a call yesterday and googled the number which came back as my county sheriff office...he did not say he was with sheriffs office only said he had papers for me regarding "theft of services" and said there was a number i could call by today to take care of it and not go to court.

I spoke with a Rogers & Speaks rep and she was so rude and unprofessional. And they didn't sound very legit at all. She didn't provide me with any of the information that I asked for and was talking with someone in the background. She actually told me that she was goin to falsify my case saying that I was refusing to pay when all I said is that I would have to make small payments instead of one big payment. I couldn't believe she said that. Her name was Emma, or at least that is what she said it was.

I was wondering if they take all your refund when your loan has gone into tax off set? I was going to pay the loan off with the refund and found out it had gone into off set. I have no problem with them taking what I owe as long as that is all they take.

repaying E.I overpayment can will goverment tke my tax refund this year

I had been unemployed for the past five months and am delinquent on my Mervyns account. I've been contacted by two different collection agencies: Encore and Allied. Can Mervyns (G.E. Money Bank) contract my account for collection with just one collection agency at a time? Encore had all my credit infor., SS#(last five digits) both companies had been calling for the past month continously). When Allied called (the day after my I made the settlement agreement with Encore), Allied said that the account can only be settled my them.

I need to send a c&d letter to The Cash Store but cannot find their corporate office address. I've looked both here and on the internet. Does anyone have their corporate office address? I've already sent the letter to the local storefront but I'm receiving several phone calls a day from them. I don't owe them any more money (I've overpaid $250) and I want to send the letter higher up the chain. The person I talked to today was nice and said that she would relay my information to her manager so they might stop their collection efforts but I want to send the letter anyway.