I have several CC's ( 3 visas, 2 store cards and gas card most of them close to max. all payments have been on time for several years. MY FICO score is between 650 and 700 . SHould I use a deb consolidation loan to cut my payments down to get them paid off and still keep the cards

I recently got a phone call from Witherspoon Ryan and associates, her name was Ashely. Regarding a PDL from 2008 from BMG marketing. The original loan was 200.00 and they wanted 1,600.00 but willing to settle for 198.59 for two payments, But they said the ATM withdrawal would come from Brown and Brewer. I am so confused I know PA made them illegal this past year, but what can I do about this bill from 2008. I got this email. Witherspoon, Ryan & Associates P.O Box 95 3319 N.

I have looked through many forum post about Western Sky and Cash Call and not found one where a settlement with these companies (or I should say company) was reached. Has anyone ever been able to settle with Western Sky/Cash Call on their illegal loans? Paying only the monthly payments until the principal was paid? Thanks!

Recieved at call today at work from someone who was with Advance Me Today. She said last Friday's ACH withdrawel didn't go through. It was supposed to be for $310. Obviously that account has been closed, i did recieve an e-mail from them last week stating after the Feb 1, of the 310, i would paid in full. I was well overpaid on the principle to begin with. Well, when I talked to her, I told her no to call my job. Since then, they have called my cell a few times. I already filled out a complaint with the NC Attorney General last week, after I sent my ACH revocation letters.

I took out a $ 300 loan in december with The seven group / CWB. I live in PA. Before my first payment was due, I closed my accounts and revoked ACH. I sent them the email and offered a payment plan. They responded that they will accept the principal only, but they didn't accept my payment plan. They wanted the whole amount. I sent them $ 100 by money order, thats all I could afford at that time.

I am currently in a debt management program with Greenpath. I have 3,100.00 left to repay and have 900.00 in unsecured debt outside of the program. I was wondering if it was a good idea to add the remaining debt to program or just pay it off on my own? Thanks, Matt

I emailed White Hills Cash explaining that payday loans are illegal in AZ. This was the supervisor's response: As clearly indicated in its website disclaimers and the loan documents executed by you, White Hills Cash is a tribal limited liability company established by and for the Ft. Belknap Indian Community pursuant to tribal law. Both our website and your loan documents explain this fact clearly. As a sovereign enterprise, White Hills Cash is not subject to state regulation. By signing your Loan Agreement, you agreed to the application of Ft. Belknap Indian Community law.

The company LVNV is coming after me over two cards the the last payment were made in Nov 06 and the other feb 08. no legal actions of any kinds have been filled with my county courts to this date. I live here in florida and was wondering is these two accounts were passed the SOL limit of LVNV to take court action. My email is kollar_charles@yahoo.com

PIF - today - ACE Cash Express, Money Mart, 1 Stop, and Check into Cash.. Will be using taxes to knock out - Cash 1, Cash Time and Speedy Cash.. Then just to wait and see what WS/CC finally comes up with, but not really worried about that one so much - I will eventually send them the balance on principal, legal lenders were my main concern.. And then Plain Green which I have not heard from since Dec sometime I count that as PIF and also received a PIF from Great Plains. .. I want to thank all of you on this site that have helped me to empower myself..:)

I am getting call from a 877 and 866 number stateing they are a process server for state and I need to call them asap or they and the authorties will be serving me at my place of work or home and if they can not find me then they will add that to my charges. What the heck? Do I call them or forget it, they have home, number, cell number, and work number and are calling me on all 3 of them.