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Hello All, I'm seriously considering debt settlement, but I would have to go over 3yrs. How do they keep things going for that length of time w/o charge-offs. Is it simply that you've hired the settlement company that they know at some point they'll get something out of you? I'm trying to figure out if this is feasible or not. I'd hate to get 2 years into a plan and then be forced into ch13 because of a law suit. HELP!

I have 5 payday loans and have just spoken to Town and Country about consolidation. Are there any hidden fees other than the $195 to start with? It almost sounds too good to be true. Has this worked for anyone elso?

I sometimes get paid through Paypal, legal aid wants me to show my bank account statements, do they mean paypal also?

I received an online payday loan from Loan Point USA. The principal amount is $400 with a $120 by weekly fee. I have "rolled over" this PDL 5 times so far. I live in the state of KY, which means technically this type of loan is illegal in my state since they do not have a store front. I closed my checking account recently (because of multiple PDL's, trying to find a way to resolve them), Loan Point USA tried to post the roll over fee to my now closed checking account - but obv nothing came of that. Now their collection wing is calling me for payment.

I live in Florida and have 12 payday loans. I'm trying to figure out what I need to do to get out of this mess. I've contacted a pdl solution company and they have given me a quote of approx. $1,600 in fees to get me out of this trouble.

Ok so my situation is I have like 9 payday loans. Six of them storefront ones. So this week they were due and I simply just didn't have the funds available to cover the payments. So you know what happened next. They tried to deposit the checks into my account. Now my account so far is overdrafted by $715.00. I called Wachovia customer service to have my account put on a freeze until i can bring my balance back into a positive status. THEY SAID THE COULD NOT DO THAT. Unless they were fraudulent charges and since i gave them my account information they have every right to deposit the checks.

I have defaulted on a loan with MTE Finanical dba Quickest-Cash-Advance.com and they sent me to a collection agency called Mid-America Credit Bureau. I live in Ohio --- so the Internet PDL is illegal because they are not licensed to loan to Ohio residents. Would this Mid-America Credit Bureau be illegal too? I am getting harrassing phone calls from them now. The loan was taken out in July 2008 --- $300 loan paid $100 towards it.

I have a quick question. I live in Ohio and defaulted on an Internet Payday Loan. The Payday Loan lender is illegal to loan money to consumers in Ohio because they are not licensed in the state. The Payday lender MTE Financial dba Quickest-Cash-Advance.com has sent the loan to a collection agency called Mid-America Credit Bureau out of Kansas. Is it legal for them to collect on an illegal debt?

Can private student loans be consolidated; can one declare bankruptcy re student loan?

Hi, I'm in Texas and I have the following payday loans that I cannot afford to pay at the moment: ChecknGo - borrowed 1175.00 - 1417 ACH bounced on 11/18 PayDayOne - borrowed 1000 - pd 0 - 1225 due on 12/1 DiscountAdvances - borrowed 1100 - pd 560 finance and 40 on principal - 1244 due on 12/2 CashNetUSA - borrowed 1000 - 1254 due on 12/2 OneStepCash - borrowed 500 - 620 due on 12/2 I have already changed my direct deposit so that my next check goes to a new account. I will close my current account next week.