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Wow, what a great site. I had no idea that all this was going on with payday loans, and they could even be considered illegal! I received a cash advance of 700.00 from Cash Store back in may 08. I pay the finance charge of 143.00 every other week and this amount does not come off my loan. It simply renews the contract for 2 weeks. I can only afford to pay the minimum. I have been stuck in this vicious cycle for way too long. I have read through some of prior posts but I am unsure about what steps I can take to end this. If anyone could offer advice that would be great!

I was repaying a debt through Arrow financial with an agreed upon $100 per month. I was usually paying more than that and every bill i got from them had a due date for payment. The last one I recieved said payment wasn't due until March of 2009 and i needed a car so I didn't pay them for a couple months thinking i had until March. I never recieved any communication from them but rather a phone call from some law office saying i would be sued if i didnt make arrangements to pay the balance in five days. What can/should i do?

Last year Weltman, Weinberg & Reis tried to sue me using an old address but the summons was returned as 'undeliverable' since I hadn't lived there in 6 years. Today for kicks I went to my local courthouse website and noticed this case was updated with ASSIGN SHOW CAUSE DISM What does that mean?

I was curious to know how many of you have received a summons, answered it, and then went to court to fight and won? Also, how in the world did you find an attorney to take any case on in regards to consumer debt? I have called everyone in my phone book in my city and the 3 surrounding cities around me and NO ONE will touch it, even though they said I had an excellent chance of winning and a really nice counterclaim!!

Being sued by 4th or 5th JDB to purchase my name. 6 months ago Plaintiffs lawyer came to court with no validation and got 6 month ext. from judge to look for it. Since then JDB's law firm only sent me a bill(statement of account) from the JDB(not the OC). On the bottom of the bill was a small snippet from a credit report, no $amounts in this cut and paste job. Is this piece of paper from the plaintiffs lawyer all that is needed for him to win his case?

I applied for a credit card through my bank (US Bank) and was declined. They stated that they use a numerical score provided by the credit bureau to approve applicants. They then state that my credit bureau did not contain a score. Has anyone else ever encountered this, and what should I do?

recieved summons back in jan of this year so to avoid being sued had to make payment arrangements with the law offices of cohen and slamowitz i was wondering now if i can still make a settlement offer for the balance still remaing i owe about $2,000 still so even though i made monthly payment arrangement with them can i now try and settle to pay this balance can i get a settlement offer to pay less

My house is being foreclosed upon anyday now, but I still have to pay bills (even though utilities turned off already) and have no job/ money to do so. No bank account and no I.D. after being robbed...where do I go to honestly get help in paying my utilities and still try to eat and live?

I had a repo back in 2000 the vehicle was financed by Ford Motors credit, that is when I lived in Atlanta. I have moved to MA and in 2004 I was contacted by collection agency, I agreed to make $50 payments each month up until now since money is tight. They contacted me an threaten to sue for not paying. Since I lost income and decided to read up on debt settlement which led me to this forum and a wealth of info I'm wondering if I'm even sending money to a legite collector. I have been sending $50 a month for a least 3yrs and I have never received a statement of any kind.

i live in north carolina and currently have 4 pay day loans at store fronts in south carolina 3 for 300 with 45 dollar fees each and one for 600 with a fee of 90 and can no longer keep up with it and was wondering if they can legally do anything since pdl's are not legal in nc if i default and was looking for any advice to get out of this mess thanks.