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I am tring to work with merrick bank (hooters) and I have made arragements with them to pay $250. on the 6th of Feb .that went through , again on the 20th of feb. and again on the 20th of march they contine to call every day or 2 and give me the whole story about my payment being late .I tell them i already talked and set up payments and they still call looking for more money .

I have 2 amexp accts that have gone to NCO for collections. I know they are my accts and I would like to try to settle at some point. Should I send a validation letter anyway? I am worried that this will push them to arbitration, etc. Or, is it best to call and ask for settlement or send a proposed settlement? Little confused about validation if the debt is mine and I want to try to work something out eventually. I hear NCO is terrible to deal with, and they already committed 1 FCRA in a phone message.

I have around $27,000 in credit cards debt, and I pay around $600 every month to them. I got separated, and now with the economic situation and my situation I can't afford to pay this amount. I am looking around different companies to see who offer me a better deal or lower my payments. Please let me know how your company work and how low you can go? Thanks. personal information deleted for your security - Jason

What is the meaning of TASC?

Whatever happen to the Payday Reform Act of 2007 at the Federal Level? Are you aware of any potential federal laws to expand protection to consumers for taking out these illegal loans. I know the State Laws, especially in Illinois, are enforcing the laws. Thanks to our former Governor Blago. Hey, I know the man has issues but this is one law I am glad that he pass in 2005.

I have tried 3x to get password. Either I am not doing it right or something else is not working. Please email me the info. I have tried to go to the login, it tells me I will get email with password, never get it. I truly enjoy and have benefitted from the PDL forumn. It gave me back my life.

does anyone know how long it will take for checksmart to take me and my husband to court? i have been trying to work with them to no avail. they have called me an idiot..sent cease and assist letter and they are still contacting me. i didn't stop payment on checks on purpose..irs cleaned us out from a tax lien filed in my husbands name i knew nothing about. i had to save my upcoming pay to pay for my house.

I ahve revoked ACH with 1800899cash and closed account. I sent email requesting liscense/registration as internetPDL(internet in VA. are illegal) or installment loans provider. I checked databases, Frascella Enterprises nowhere to be found. They are partnered with First Bank of Delaware that was stopped from making 3rd party credit services (C. Cards) last year. Should I hold firm and wait for them to prove case? I have already paid principle in revolving fees. Automatically takes principle and 10% of loan q2wks.

Hello in sept. of 2002 my chapter 7 was discharged, this was before the new changes to bankruptcy occured . I was under the impression at the time that the public record would stay on my credit report for 7 yrs and that the change in 2005 bankruptcy laws made them 10 yrs . I was thinking this wouild be off this yr and found out the removal is for 2012. am I wrong ? has the chapter 7 term always been 10 yrs before removal off your credit report? thanks

I really need some help with this company. They are relentlessly calling me every day at work and don't even bother to call my cell phone. It is driving me crazy. I've sent letters to them via fax and email. Their mailing address was incorrect so the certified letter was returned. I've paid them $387.50 on a $200 loan. The woman told me today that she is going to continue to call me. Has anyone had dealings with them and is there anyone at this company that I should call? They refuse to accept anything I've sent them.