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I just received my summons for a goodys account I have. Should I just go ahead and contact Asset or Frederick and make a settlement proposal? The amount is 1500.00 in the summons. They probably got maybe 200.00 invested in it? What if I offer them 400.00? It would be worth it to me considering the time I would have to put into it.

Hello everyone, I currently have 2 private student loans that I haven't paid in some time. The creditor has not made any type of collection attempts beside mailing a monthly letter. The loans are listed on my credit report as "charged-off". My question is which is better a "charge off" or "defaulted" loans? Is there a difference? Also, I am hoping to go back to school and will a charged off loan affect my ability to get new student loans?

OK. I went to my first court date and it was put off until March. I "officially" have 9 days to answer the complaint. Should I file a motion to strike their 'Affidavit in support of Plaintiff's claims' and then file a motion to dismiss because they don't have any real proof? or do I file my answer and then file a motion to strike...then a motion to dismiss? or do I just file my answer and a motion for discovery??? Do I wait for them to do their discovery first? I live in a state that allows TbyE, so I have an application in with legal aid. I'm tempted to file bankruptcy.

oK so I know i have to file an answer within 30 days, the summons doesn't have a date to appear in court it just says to answer within 30 days or a judgement will be filed against me. I know I owe the money how do i answer can i still make arrangements with the law firm to see if they will agree to a settlement? What is the process after you file an answer? What are the next processes?

Nationwide Credit, or at least that is who it is when I reserached the phone number 866-505-9316 has been calling me at work. I requested the first time they called to not call me at work, the 2nd time my secretary took a message and wanted me to call "Hemant" back. He has a real broken Indian voice. any ideas? THanks

I had a loan through commerce bank. It ended up getting repo'd. I'm trying to clean my credit up and planning on paying it at tax time. But on my credit report it shows profit loss write off in 2007. I haven't been contacted at all. I was wanting to know what this means. I don't want to contact the bank until I have money in my hand. I'm hoping they will settle for less then what i owe. Any help with "profit loss write off"

For anyone who needs info on mypaydayloan.com - although the loan documents state that they are in Costa Rica - this may be a loophole they are trying to use to get out of falling under U.S. state laws. We had to send them funds via Moneygram yesterday when we paid the principal still owed. When I was sending them I asked the teller to give me information on the receiver. The funds went to Strategic Funding, Inc. in Salt Lake City, Utah. Aside from that, they have been for the most part, helpful.

Well, I just got served. I'm being sued by Cap1 for a CC debt which is mine. The debt amount is around $4500 and I last paid on it about 2yrs ago. I also received a letter from the Attorneys representing Cap1 giving me an option to contact them to see if we can resolve this matter prior to the pre-trial date. What should I do? I would like to avoid the court system if possible but I want to make sure I don't have a default judgment against me. Any advice or help would be greatly appreciated. Steve in FL

Does anyone know are internet pdl legal in the state of alabama? I have loans with StarAdvance City View Cash Payday yes ameriloan Cashcentral Cashnet USA I will pay these loans but need to know if i can pay them on my terms if they are illegal then i can pay them on my terms many i have already pay over in fees that should be considered PIF just trying to get my duck in a row i have already secure my checking account by closing it just need a little more info thank you so much this is a wonderful source of information

For anyone with internet PDLs in Tennessee - you may want to read this and contact TDFI with any relevant info as they are trying to gather information in an attempt to bring IPDLs under their jurisdiction. fromTDFI ConsumerResources dateFri, Jan 9, 2009 at 4:20 PM subjectRe: Question Regarding Payday Lending Laws mailed-bystate.tn.us Thank you for the information that you provided concerning your transaction involving an Internet Payday lender.