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the creditor is taking me to court 12/18/08. i have no job, haven't in over 2 years. i'am waiting on my disabilty. which i have a lawyer. what can they do to me if i have no income??

Here is the background of my story: I have 5 pdl's. I got one originally, and to afford to pay my bills and the interest on this original loan, I got another, and then to pay my bills and the interest on both of these pdl's I got another, etc. I have just been informed that I will be laid-off at the beginning of the year. I am already one month behind on my house payment and car payment because I'm trying to keep up with these pdl's. However, I need to spend my remaining cash on getting caught up on my house and car. I plan on doing a stop payment on the pdl checks at my bank.

I was in a repayment plan with Advance America. I was due to make my second payment and was told by my Bankruptcy attorney that I did not have to continue making payment. I was told to notify Advance America that I had paid for my Bankruptcy and asked the manager at that location if she wanted a copy of the paid receipt. She said "Not necessary." I came home today and found that she had presented my check today, after being notified that we had filed. I work in the industry and know that my company does not present the check after being notified.

I entered a debt consolidation program and one of my creditors refused the terms. They sent the debt to collections (Encore). The debt consolidation company was paying a minimum amount to the creditor while I made a deal to pay off the debt with Encore.

I'm on a payment plan with EZMoney and I've missed a payment. I spoke to the collections agent and told him I did not have enough of my paycheck to pay them. My rent and car inspection were due. The collections guy said they couldnt hold it until my next payday, so I told him, sorry I dont have it now! I owe $300. Are they not going to accept anymore payments or will they file charges against me ? Thanks~

Can PDL companies report you to the credit bureaus? I live in NJ and have loans out with ameriloan, Unitedcashloans, discountadvances, and mycashnow. I am willing to pay the principle on the loans, but don't know how to go about it. My account is already closed. Please tell me what to do.

I have never had nor currently have any credit cards (revolving account). In the past, I have had late payments on a car loan (installment account) that I have since paid in full. I continue to have one judgment against me for less than $1,000. Experian gives a credit score of 584 yet the bank reports there is no score. Is that possible that potential borrowers see no credit score upon making an inquiry?

Hello Everyone, I am frustrated and stressed out because of my situation i am sure everyone here is as well. First let me say thank you for taking the time reading my post. I took a student loan about 2-3 years ago. I took some time off at the university and continued to go to a Junior College. And from my understanding I do not have the make payments as long as i am in school. Well this spring of 2008, i was taking classes but dropped them. Cause of some personal reasons but i continued to go to summer school.

does anyone know the email address for this payday loan company..im trying to send them the letter stating they could have only charge principle and i have paid about 400 on 200 dollar loan..

what can PDL's do in Arizona with the new law??? :?: