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O.K. here we go this morning I got my first call. The left a VM. From: NLS cash advance / Sign my loan.com / Cash advance mail.com (all one in the same) The vm was fairly nice the asked for me to call or email an arrangement? My question is what steps to take. 1. should I listen to what they have to say. 2. should I tell them I will be sending a C & D letter 3. let it go for now and wait until it goes to collection 4. send a C & D trough email or reg mail?

I have four illegal loans. I have more than paid the principal on each of them. I actually got one PIF letter. One company has not contacted me at all since I closed my bank account (in early Feb.) and sent them the certified letter. One company has called only once and I told them I need everything in writing and hung up. The other company has called me, called my work again and again. I keep telling them I need everything in writing and hang up.

Secured Loans - how fast does it take to set up Debt Consolidation?

Collection agency harassing me with calls . How to remove my number from them?

Hello :D Today, while I work, I got a call from NCO saying that my student loan had defaulted. Honestly, I had no idea because I paid off my school school loan and thought that everything was settled. I was wrong. I guess what happened was that there was a balance left my federal loan and after 9 years, it has grown to almost 20k. I was at work and they kept harassing me saying that my wages will be garnished starting today if I didn't set up a payment plan.

I need additional help with PDL companies in Texas. I currently have 4 payday loans with the following companies. mycashnow.com original loan, $880 have paid $1019.84 and they still show a pending balance of 1562. Unitedcashloans.com , original balance $300 have paid a total of $860 and they still show a balance of $130. USfastcash.com original loan $300 have paid $210 with a balance of $480. Cashnetusa.com original balance $750.00, have paid $150 and they show a balance of $924. I can not verify any of these companies are a licensed lender or a CSO in Texas.

A few months ago my wife received a phone call from a CA requesting payment for a 3-year old debt. Without thinking about it (*sigh*), she gave them our credit card info and authorized a charge to pay off. The amount was for less than $200. After calling the CA and looking over the facts, I realized this was not even a legitimate debt and demanded, over the phone, that the CA reverse the credit card charges.

I co-own a mobile home and land in Fla that is homesteaded in my name. The property is jointly owned with my mother as joint tenancy w full rights to survivorship. She was the original fully qualified mortgage holder then after a few years added my name to the deed and I did a simple assumption to have my name added to the mortgage. In 2006 My mother filed BK and the mortgage was discharged in her bk. I'm debating whether BK is an option for me. I would reaffirm the debt on the mobile/land and not include it in BK.

i sent out my cease and desist letters today and one has already marked me pif. a couple of the others are claiming to be in nevis west indies and us law doesnt apply to them according to the national bank loan act (whatever that is). Is there such a thing? they say they are not in the U.S. but say it is a federal law that and ny state law doesnt apply to them. How can they use our federal laws if they are not even in this country? Paradise Cash aka VIPLoan and OSL loans are saying this to me. What should I tell them?

Good evening, Can someone please help me understand my situation. I just printed out my credit report and I am in the bottom 11% of the US in terms of my credit score. My real debt is about $15,000.... How long does it really take for you to see any kind of improvements? I feel like by that time it won't even be worth it?