Hello community. This is my first post and I would like to say hi! :) I used to be very active on another online credit forum/community and was toooooooooooooo ashamed to post there about my pending Ch. 13. I joined said board in 2007 and learned so much and received so much information on repairing and maintaining good credit. In 2008 I filed Ch. 7 and started rebuilding my cred. Make a long story short.....I screwed up again, got laid off during the recession, etc. etc. And am now back in the hole. I just filed my taxes today and as soon as I get my refund I will be filing Ch. 13.

Hello! Question: Im steady getting all these letters saying ALL my wages going to be garnished due to none payment. I have student loans by American Student Assistance, in of course it went to default; Im trying to prevent them from garnishing my wages, ex.. Social Security,Disability, employment, etc... what do I do

If you are in NY state and have payday loans with interest in excess of 25%, there is case law that you don't have to pay. (SOP for this forum is that you pay back principal, and I'm not suggesting otherwise.) Check out the case of North American Bank v. Schulman, 198 Misc.2d 516 (Westchester Cty, 1984). Link is here: http://tinyurl.com/apc4a2c Schulman, a NY resident, signed a loan with an Israeli bank.

Has anyone had any luck dealing with Sonic Cash? I have emailed them my letter and responded several times and they keep replying with their "form" email.

I have about 7 pay day loans out. They are continually harrassing me. I pay large amounts each pay check. Can someone please help me?

I borrowed $500 from this offshore lender. I repaid $300 and then got wise, thanks to this forum. They offered to settle for another $350, since "I agreed to pay at least one finance fee." I told them to pound sand - $200 and PIF or not another dime. They've refused and invited me to make another settlement offer. I told them that was the only offer they are going to get. Being as though I've paid less than the full amount of principal, I'd like to do the right thing.

I signed for a student loan in 1988, loan amount 2500.00. The amount with interest was 2800.00 which I have paid in full, but now the amount is 3400.00 including interest. I have requested an itemized statement of payments and copy of Promissory Note. I was 18 yrs old at the time of loan, my mother is/was a widower. She signed as an endorser (responsible for payment if loan default). Well the loan did go in default but then again I have paid the loan in entirety through the years.They want their interest. How is this fair?

Has anyone dealt with Sonic Cash? I keep getting the same canned response from them. Just wondering what to do next? I have replied several times that with the amount I am willng to pay and that I want to pay by money order and ONLY for the principal amount. Dear , Regarding your question if this is legal and of jurisdiction, in your signed loan agreement you acknowledged that we are a Costa Rica company that registers and operates under Costa Rica law which both parties have contractually agreed to abide by.

Are Liberly LLC and CP Investors legal in the State of Michigan?

I got in the payday loan loop and now am in serious financial trouble. My rent is past due by 4 days, bank account overdrawn by around $1500. Anyone know where I can get help? I am going to write and follow advice I found on here to revoke the ach's from the payday loan companies, but am in urgent need of help for funds to get bank account positive and rent paid