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PDL's are horrible. I had some medical issues with myself and family members that racked up some debt. I thought I could pay the first one off, but kept getting sucked into it to where I would get a new one to pay off and refinance another one. I live in Texas and the laws are not clear on what happens when you default and the PDL companies are hiding behind the CSO loopholes. I have the following PDLs out: ACE (Store Front): Original Amount- $1000. I just renewed this loan by paying off and getting a new one. I've had a $1000 loan out since June of 2008.

Hello, I live in Missouri and have taken all actions against zip 19 closed my acct, revoked ach,sent letter to zip,contacted my state AG. Today I received an email from zip that states they have been contacted by the AG office and are willing to make a settlement offer which they would let me set up a payment plan of 200.00 per month x 6 for repayment of 1200.00 by 6/5/09. My question is the MO state laws states the max loan amount is 500.00 I did borrow the 1200.00.

I answered there judgment they neever responded to my DV letter,or the response i filed through my city court all they are trying to do now is to settle out of court. Do i have to answer this it says if i dont by the fifteenth then there is some action they can take how do i respond to this i dont wanna settle for the amount they are trying to get.

i have recently joined a debt relief program where i pay a fixed monthly payment that gets added to a fund and they negotiate a settlement with my creditors. i am about 3 months behind on a 21000 dollar credit card and it was turned over to i c system collection agency. i am 3 months in the program and waiting for something to happen. i.c system calls me a few times a day asking me to get out of the program and pay them instead, but i tell them i have 3 other creditors and can't pay all of them.

I need to send the payday loan companies a cease and desist letter to stop them form calling my work or references. I don't mind them calling my cell phone but I don't need them to call anyone else. Does anyone have this letter that I can copy. Thanks,

What should I look for in a Debt Settlement program?

Any help appreciated. I owe $20,000 in credit card debt, and $5000 in medical bills. I'm actually on balance transfer rates (0% and 3.99% until June) for $10,000, and the other 10,000 is 3.99% for life (until I miss a payment) I can't seem to get a job at the moment so I'm not going to be able to keep up. But... I got in to Law School for August, so I think I need to keep my credit respectable in order to qualify for student aid and loans. Could I settle my credit card debt while in school, or will that ruin my chances to reapply for student loans each year?

Long story here but will try to summarize. I consolidated my student loans in the fall of '07. I am a single mother of a 17yo son who has heart disease, and my mother is mentally and physically disabled and has only me to care for her. I work way too many hours trying to make ends meet for us all and provide to the best of my ability. Now...last fall, I get a call from a CA who demands 12,000.00 that day on loans that were in fact not consolidated but in default. I called dept of ed and I'm told that some loans were consolidated but others weren't.

I don't understand this part. It says in the bankruptcy laws for chapter 7 that if your income is at or below 150% of the federal poverty level then you can sign a waiver and the filing is free. How do I figure this out? Lets say that the federal poverty level is $1,300 and my income is $1,500. 150% of 1,300 is $1,950. Would that mean that I could sign the waiver and file for free? Could someone explain this if I am wrong please?

I hope someone can help me soon. I am in trouble with pdl's from online. I did my letters, had some trouble with some that had several different addresses. When notifying FTC, BBB etc. is there a form letter? What all do I say? What info do I include? Should I send one to the FBI? With all the complaining that all these people are doing to stop these illegal pdl's, why and how are they getting away with it? It looks as though they just keep taking advantage of desperate people like me. Desperate people do desperate things.