we have been notified by collection agency regarding a defaulted payday loan. they are threating criminal action against us unless we pay an unreasonable payment schedule. i owe 800 they want 400 now and 400 next week. I am a full time student and do not have the money. I can not do that. I do want to clear this up but not in such a hard hit. they are threating with theft bycheck. what are my options thank you

Help me please. I live in the state of Delaware and I have the following loans. I am going to be sending letters of ACH revocations and closing my checking account. Can I just send one generic letter to my payroll to say I DO NOT ACCEPT AN WAGE ASSIGNMENTS FROM ANYONE or do i have to list them individually. I dont want to lose my job. This is very humiliating. My wife has been unemployed for over a year and I got all these to save my house. Please advise what I can do and who is legal and illegal.

Mu mother passed in 2010. I just received a 1099c for a credit card debt that was forgiven in 2012. What do I have to file, if anything, with the IRS? She obviously had no income and the debt is for about $6600.

I have a private loan through the State of MN through a company called Firstmark Services. They only allow for two periods of deferment of four months apiece. I have used up both. I have been out of work for 7 months now and my husband is out of work as well. I am TAA affected so I am going back to school soon as part of the TAA training program. However, Firstmark will not let me defer it for in-school because I've been out of school for over 3 years or something. To make matters worse, my 63 year old widowed unemployed mother is cosigned on it and can't help with payments.

Just wanted to know what most of you have done. I have one or 2 PDL that are starting to call, I have emailed Cease & Desist letters and even told one of them that I no longer work at this company when they call. It really is more of a pain than anything. I am the work number and the cell is also mines, my parents never answer their phone because everyone calls their cells not the number I gave out. In particular its Advance Me Today. So do I just ignore them until they go away? I over paid on the loan, so I don't owe them anything.

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Still trying to figure out what I need to do next. I'm pretty sure they will serve me soon so what can I do to delay this action as long as I can. They sent a paper that looks like a summons with a date to appear on it in the mail, (no case number or stamped by the court) so each day that goes by we are waiting for the knock at the door. We are broke right now and couldn't pay anyway without it causing other problems. The SOL will be out of date by the time we get into court so would that be reason to dismiss?

Thanks to this site I am slightly less stressed out today. I have 8 Payday Loans: Magnum $500 have paid $216.73 One Click Cash $600 have paid $540 but had previous loan for $450 that I paid a total of $1125 Ideal Gelt for $400 have paid $275 but paid off previous loan of $400 by paying $1000 United Cash loans for $450 have paid $895 WTJ Capitol/Incline for $200 and have paid $480 WhiteHills cash for $170.

I will make this short since it seems long posts go to Spam heaven. With United Cash loans I took out $800 and have paid back $480. I have had them for over 3 years and re-loaned a few times to the tune of about $2800 loaned to me and a total including fees paid back tot hem of $9200. I sent them a revocation email letting them know that I wanted them to use the illegal interest they charged me before to cover the remaining $320 left on the current loan.

If I paid off a credit card that was sold to a 3rd party-Goldstien, henderson and Weiss. Can I dispute on my credit report with the original creditor to have this removed? I just check my credit report and it has the credit card on there as dergotary, it was im assuming sold to goldstein.