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Can any one help, please. My question is; if I negotiate with the creditor's attorney after my account is frozen to pay the debt with the condition that there will be no judgement (vacate the judgement). Can the creditor's attorney do this? if so what is the process? Thanks in advance guys.

Hello All - This forum has been so helpful but I am getting so scared because I am closing my bank account tomorrow. I have so many payday loans (storefront and internet) and have been trying to keep my head above water but it just not possible anymore. I met with a bankruptcy attorney today and I am going to begin Chapter 13 and I will get to put these loans under this plan. I will be sending all companies a revocation letter which also gives them my attorney's info. My questions is what else do I have to do to ensure they don't call my work.

Thread in the pub which nascar moved from members only. I deleted all my posts and locked it. Think someone is off their meds.

Has any one dealt with this company before and had a good out come? Consolidated credit counseling Services, Inc. 5701 West Sunrise Boulevard Fort Lauderdale, Florida 33313

Hey guys, got a call from a guy at this company today. Explains to me that they guarantee in writing to get you 60% reduction of your debts. The money goes into a "special purpose account" in Rocky Mountain Bank and Trust in Colorado. He told me their fee was 15% of the settled for amount. I understand guys that we should be able to settle for ourselves but settling by ourselves we can't make low monthly payments, at least that's the way it seems to me. He says that Advanta has settled with them and he says they have customers in Georgia. PLEASE anyone heard of them at all?

I live in Kentucky and I have fallen under the payday loan trap. I was doing pretty good for awhile until I had to start getting a new loan to help pay my other bills. Here's my loan situation: INTERNET LOANS/AMT FUNDED/FEE/AMT PD SO FAR: Usfast cash/300/90/0 vc funding/250/75/30 towards princ. 430 total paycheck today/300/90/270 instant cash usa/300/90/270 cash advance network/300/90/270 money & more/255/45/0 americash/400/100/300 I also have 2 store front loans that are working with me. I also have a loan with Thinkcash.

Can anybody share experience? They never sent me paperwork, have charged me $900 on a $400 loan, & are unlicensed in CA (They show a Las Vegas, NV address - I searched for 3 days to find this!) I am overdrawn $350 due to them, though WFB is formally disputing the last ECH xtion, and I have blocked any further ECH xtions by VIP/q-loot and/or any indiv. associated with them I am broke and scared. Any input?

Hey guys, i've emailed out letters stated I was revoking ach authorizations, wage assignments,no telephone contact, letting them know i know they're illegal lenders,etc.. but a lot of places i didnt get a response back and some places have even still called my work.

i am about to be garnished by a private collection agency. I called them to explain my financial hardship but they refused to lower the percentage at which they will garnish me. It is at 25% but is there some way i can prove financial hardship to lower that percentage to 10-15%? I don't believe a company can garnish me and my family when we have such little expendable income as well as other debts we are obligated to pay. Any help is much appreciated.

Please help overwhelmed in NY! I have 8 quickloans and have been paying since JUly but can no longer - health issues and money issues. I have looked on this web site and wonder if I am understanding the postings... If I have paid the principal plus finance fee can I instruct my bank (Citizens Bank) to stop allowing them to take my money?? These Quickloans are in NY.