I have sent disputes to both ex an eq...eq has said that the info is correct, I did send nys law with it. Any suggestions?

Quick question, I know I have seen it here somewhere but I don't see a search feature. I sent my letters out today and instantly I received a reply from Advance Me Today, it is the form letter about the treaty between the US and their island and how that trumps all my state laws. I am in WA state and they are illegal. What was the correct response to give them when they mentioned this?

Hi guys,

I called Cash Yes recoveries department.  The lady was nice in a snotty way...anyways  i took out a loan for $250 with $75 finance fees.  I told them i was only going to pay the principal balance (i live in New york).  She said thats not her problem b/c i contacted them for the loan and at this point i owe them $600!???!???  I told her that these loans are illegal in new york and she came right back and said theyre legal in Belize and YOU contacted US.  I again said im only going to pay the principal balance and she said she will only take a p

I live in texas and need to know if these payday loans are legal in my state.

I received a letter from Convergent Outsourcing, stating i owe LVNV Funding (creditor) Direct Merchant (original creditor) $4,403.12.  The issue here is I OWE NO ONE ON THE LETTER ANYTHING. I was so upset i pulled my credit last night and there is nothing listed anywhere for them.  they are saying i can pay them 660. in 35 days and they will go away.  I need some direction in how to procced since they are not a true debt.  Do I send a DV, or a Cease & Desist? do i report them to the FTC, BBB and so on?  Any suggestions would be great

1) Are the credit reports you get off the so called free credit report .com type sites the same report you get if you order one from the reporting agency?

I have a judgement against me from an unpaid unsecured credit card.About 2 years ago, they froze my mom's bank accounts because my name was on them even though she did not have enough money to cover the judgement and she was not named in the judgement.After explaining to the judge that this was my MOM'S money and I was only on the accounts for probate purposes, they released my mom's money back to her(talk about stress!!!) Since Mom passed away, her house is now titled in my brother's and my names.I understand that my wages cannot be garnished because I am head of household with 3 ch

I took out payday lones to help with a medical expeance i didn't have the funds for as i am on social security and get paid once each month. I have paid one of my 300 on one of my lone which was 350. they are saying i still owe 150 more. My other lone is for 400 and the last 350. I have tried to make payment arrangements with these lenders, but none are willing to work with me. telling me if they are not paid in full by such and such date they will send payments to my bank and take the money even if the funds are not in the bank and i will be left paying the fees.