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i will be applying for private medical school loans this year. i have two negatives on my account $505 and $150$. I have two positive trade lines, one for 300, closed in 2003 and one for 2500 just opened last month and active. what do I need to know before applying? my chances? any help is VERY appreciated. thank you:) steve

so far I have been able to get reports from transunion and experian. I am still waiting for equifax. the first two are different form each other. why? which one is the most friendly to consumers in regards to reporting only completely checked information? thank you for your input:) stevenaloha

My bank accounts were all garnished by Hiday & rickey I had never had heard of them either. Tyrone powell is a total unprofessional jerk! They are threatening me and trying to itimadate me. Grayson ward is trying to act like he cares but I'm sure it's a game.....What can I do? They froze my husband 's account also and I sent them pay stubbs and statements which show none of my income goes into his acct which just happens to have my name attached to it. I have made very reasonable offers to pay them off but they refuse and threaten me. My accounts ahve been frozen for 3 weeks now. Desperate.

I received a notice today from Frank Falzone & Associates representing Payday services offering me a settlement. What should I do?

Hi, Payday loan Yes & First national (thier collection agency) Both keep calling me at work. When i tell them they cant call me at work & that they are illegal in WA, & hang up on them, then they call me on my cell & yell on the phone. "Pay your loan B*****!!" and hang up. They also fax letters to my work fax machine. (which come over with out a return fax number) they say they are not a regular mail company, so they can only contact me by phone. The email addresses on their websites dont work either. What can I do now to get them to stop.??

Hi can asset acceptance sue me if I'm in California or do they have to hire a local lawyer Thanks Kari

my wages were garnished but never was informed of court or anything what can i do

My son signed my name on a note at the university. Am I still held responsible for his bill? He is now 33 years of age.

Hello, all - I've been a "lurker" on here for almost a year and have learned so much. I can't believe I've been so stupid. I guess my payday loan situation never came to a head before this, but now it's going to force me to deal with it. My husband has been unemployed for almost a year and I figured out that when I get paid this week, my check will cover rent and payday loans - that's IT. And I still have to buy groceries, pay car insurance, etc.

Help! When I was 19 years old I purchased a new car that, when I look back on it, was a very bad idea. Unfortunately, I was unable to pay the monthly payments and insurance after a few months, so it was repossessed. I was still being charged still after 3 months that I did not even have the car. Now I am 21. My debt was passed onto a lawyer from the car company and I owe $11,957. I cannot afford this amount. Recently, the law office mailed me a letter saying I can settle this debt by paying $5,978. However, I can still not afford this in a lump sum.