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I am going to address this as a general statement and not "call out" individuals directly as they have been corrected in specific threads... This is a forum created to assist people that have gotten into trouble with payday loans. Over the past few weeks there have been a few posters that are trying to help, but are giving poor, inaccurate or totally incorrect information. Some of the advice included stating that a LEGAL internet lender was not legal and to report them as such.

I had a loan with payday loan yes.com. I was short $25 on the principal. I was getting harrassing phone calls from payday loan yes and then first National Service. I complained about them to my Department of Consumer Affairs. I got a letter that said that states this: Our office has not issued a license to "First National Service" in the State of South Carolina to make any type of loans. As you know, they are not allowed to take wage assignments in this state or to make loans without a license.

I recieved a phone call last night from an All State Collection company. It was on a check that has been outstanding since the end of September, I thought I had set up payment with the orginal company for the 20th of this month, "they would mark my account", but then I get hi phone call last night from a restricted number they are collecting on this check. They would only take a promise from a checking account, funny since my check was bad in the first place.

Hello, you may remember I had a problem with my HSBC mastercard. Er solutions was contacting me tbut never validated the debt. HSBC wouldn't respond to my calls but still bill me. It was a sticky sitatuion and I didn't know what to do. My mother got a call today for me from a place called IRPM. They said they sent me a letter on Dec 23 (they got my phone number wrong but had the right address). I did not recieve this letter but i'm a bit concerned I might have thrown it away. Either way, I called them back at her peristance (i dont even live there!

A bit over a month ago I just up and stopped paying on a PDL that I had gotten through Oasis Marketing Group by placing a stop payment on their recurring ACH. The original loan amount was for $300 and when I stopped paying, I had already paid the company $1,620 in fees alone and had not been able to pay on the principal. Shortly after stopping the payments, I received an email stating that the account had been turned over to a CA. Yesterday my supervisor at work received a phone call from a lady at Phoenix debt management asking for verification of my employment, etc.

Ok, so I owe for credit cards, house, vehicles, etc. (I deal with the mortage lender as it is local and they do everything they can to help me) I'm 2.5 months behind on my car, but still making payments every month to keep it from being repo'd. I've quit answering my phone because CA's (for the CC's) and GMAC (for the vehicle) keep calling, and I was tired of being called a liar and constantly harassed about bills that I would love to pay, if only I had some money to do it with!

lost my password cannot reset it. can anyone help

I received a threatening phone call from an H & P Capital today at work. They said they're contracted by Web Payday, that I owe $1,800, the $1,000 I took out plus fees. I had closed my bank account and was working with a PDL consolidation group that turned out to be a rip-off, so was trying to resolve this on my own. These people were VERY abrasive, and said if I didn't pay they would have me embarrassed at my work or home legally and arrested. Can they do this? They want me to make arrangements to settle by next week and fax my dl/debit info to them.

Ok...I know they say there are no dumb questions... :?: I'm going to court tomorrow. First time, Capitol One suing, I only owe 600-ish. I don't work (I'm a mommy), my husband is basically self-employed. 1. What is the likelihood that they will garnish my bank account? (In know you can't give me an yguarantees or anything, just a guesstimate) 2. How does it work? Somebody told me tonight that the bank will notify them if I put money in my account and basically give it to them. I always thought that they had to watch your account themselves and take it if they happened to find it. :?

i recently had a bankruptcy dismissed because i could not pay the trustee the monthly amount ( 100% of my debt was the amount i had to pay while in bankruptcy protection ) the first creditor has called and offered a reduction of 40 percent..i want to pay, but do not know what to ask for in my part of the negotiation, as proof of the debt being settled, and what to have the credit card company put in writing so that they cannot sell the remaining part of my debt sold to someone else