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I live in Arizona, my husband lost his job and now we have fallen behind on everything. we have let most bills go just so we can keep making the mortage payment, with the way the laws have changed about bankruptcy is it worth filing?

Of course they will give me neither.

WHICH ONE OF THESE ARE ILLEGAL ACE CASH EZ lOAN CASH STORE CHECK N GO IN DALLAS TEXAS MY HUSBAND LOST HIS JOB AND i CAN NOT PAY THEM BACK i AM STRUGGING WITH ALL OTHER BILLS AS WELL

After about a million phone calls from them I finally answered the phone...as I was now willing/able to deal with them. I spoke to them in early Dec. I told them what options I had, monthly payment would be great for me but they pushed on a one time settlement for about 1/2 of my amount due. I said yes to it but would be able to pay it off until Jan. 09. They pushed and said it would be too late for this deal, it had to go through no later then 12/31/08. I agreed. I honestly thought I would have all of the funds available as I was to get a bonus from my boss.

Yes i have a payday loan from the store front lender of The Cash Store, i lost my job, my bank account is now in the negative and they are relentless to letting me make payment plans before it defaults. It defaults today, i owe them 400$ with a cso fee of 81$ for a total of 481 and some change. What kind of action can i expect them to take and is this a criminal offense for letting the check return NSF? i know that they are a registered CSO just need to know what kind of options i have to that i dont have a job to pay them and they dont care!

I have a payday loan of $200 with Total Lending, Inc. I understand they are out of the Bahamas. On my contract there is no address...therefore I can not get in touch with them to let them know I can not pay them anymore. They have taken interest of $600 out of my checking account over the last few months. I wish I could come up with the $260 to pay them in full but I can't...they say they will take paydowns of intererst plus 50 dollars but I can't do that either. Does anyone know their address..or an e-mail address?

okay guys...thought I'd share with you what I got back from Portfolio.... Dec 19, 08 Dear Sphere RE: Verification info concerning PRA acct/Ref ###### Seller/creditor: HSBC The following info is being provided in response to your recent communication concerning the account ref. above Acct Number #### and its proceeds were sold, assigned and transferred by the seller to portfolio recovery assoc. LLC on 6/24/2008. At the time of the sale, the seller provided an elect file of its business records concerning this account.

This is the response I received from Pay Day One. I need some help with how to proceed in order to negotiate a payment plan with them. We received your request to stop the debits to your checking account, and will honor your request. However, we remind you of your promise to pay under the terms of the Loan Agreement. Further, we may report information about your account to credit reporting agencies.

Here is what I received back from Pay Day One. I need help in how I should proceed next to negotiate a repayment plan with them. I understand that they are a legal company. I did check into what I did with them. The screen specifically said ROLLOVER 1 of 4; 2 of 4; 3 of 4 and 4 of 4. We received your request to stop the debits to your checking account, and will honor your request. However, we remind you of your promise to pay under the terms of the Loan Agreement. Further, we may report information about your account to credit reporting agencies.

So I filed my answer yesterday. Now what? I have never been through this process and trying to figure out what the next steps in the process are. Also say a judgment is granted, can they go right after my bank account or will the courts establish a payment schedule? I am in PA.