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Here is my profile: State - PA Loans: 500 Fash Cash - Loan $300, Paid $180 US Fast Cash - Loan $300 , Paid $180 Up Front Money - Loan $200, Paid $180 Biggest-Cash - Loan $300, Paid $90 I closed my checking acct on 16 Jan 09. I need to know which of these companies are illegal. So far, I have treated them all as illegals. I sent 3 of the 4 e-mails probhibiting phone calls, revoking any possible wage assignments, and asking for an address to send the rest of principle owed. I am trying to figure out how to get rid of these places. I have threatened to file complaints with BBB, etc.

Hello - Spouse and I decided that our best option is debt settlement for our credit cards, $100K total in balances. We believe we can scrounge up about $50K so if we can get 50% on each account we can make it work. Working also on getting a loan modification on our first mortgage, which is tentative at this point.

I have an old chase credit card debt that has been written off from 1997-8 and no longer reporting on my credit report. I have just started receiveing calls from Midland Credit management wanting payment. What can they do if I dont pay?

Hi All, I have a problem with Midland Credit. The original account was with Speigel that my former wife opened in my name. I never signed anything or even knew about it until later, we were married at the time. Late last year (2008) I found the charge off for them that took place while I was deployed to Iraq in 2004, and a negative reporting on my CR from Midland. The Midland one says I am "4 or more payments behind". Midland has NEVER contacted me in writing or on the phone about this debt.

I'm trying to get a pif from a payday lender. I sent the letter originally telling them I revoke ach, etc etc. They have honored that but we've gone back and forth about whether or not they are legal in my state (they are not). I have not heard anything from them requesting payment and haven't gotten any phone calls or emails. If I try to log-in on their website, will it reopen a can of worms or could it be helpful to see the status?

I was recently juggling two large payday loans through Internet lenders. One was through Americash Advance (located in the U.S.) and Cash Transfer Centers (based in Canada). I was digging myself a deeper and deeper hole trying to keep up, so in desperation I visited debtconsolidationcare.com. Following advice from other posters here, I immediately closed my old checking account. My bank (Wachovia) was only too happy to work with me. They opened a new account for me and ensured that deposits would be "forced" over from the old account.

I live in SD and I can not find the limitations for collections mainly CI and Resurgent

I borrowed $150.00 from cashland in ohio. When the bill was due i missed the payment by 1 day. Due friday i went in saturday morn and they wouldnt take money. So i figured id wait for em to call. Then i lost my job and they went to the bottom of the list. Well here it is 2 months later and they want me to pay back almost $220.00 on a 150 loan. That doesnt seem right. almost 50%interest and late fees. Is this legal. what can i do? Also, after 2 years and way too many loans this is the LAST place i owe. After this I will be done with all cash places. Thank gof for tax checks lol.

I'm 23 and have 3 credit cards that I have not paid on since April of 2007. Dominion law associates has contacted me about a debt to midland funding. I recieved the first letter in November saying that I owe 1899.00( the only credit card this could be for had a credit limit of $1000) and a supeona to go to court on jan 22. I called them to arrange a payment plan and had it set at 240.00 per month. Now I wish I wouldn't have. I never asked them who the oc was or anything, I just assumed it was for one of my credit cards.

I had an installment agreement in which payments were up-to-date, for services I received at Prince William Hospital. Nine days before my next payment was due, Accounts Recovery Bureau (ARB) called me and demanded payment in full. I have perfect credit and they said they would place the account as delinquent on my credit record if I did not pay the entire balance. The 'balance' did not include any of the installment agreement payments. It was the balance before the installment agreement was made.