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These people call me almost EVERY day at work. I notified them back in August that the ONLY contact I would have with them was via US mail. I have emailed them repeatedly and told them in person that they are NEVER to call me at work. This morning, I hung up the first 2 times they called and the 3rd time had someone else answer. They left a message on my voicemail. These messages are also my proof that they are harassing me at work. I also noticed that every time they call it's a different person-so that you won't know who it is and answer the phone.

I see a lot of ads for people with bad credit to make personal loans but it is either a payday loan or you have to pay someone to give you the name of a lender. I am in desperate need of a loan and I am on ss disability. Is there a company out there for people like me who can't afford to pay a fee?

I would love to get some advice from someone that has settled with HSBC and Advanta on a business account. I need some advice as to how to approach them how to settle myself. Currently not delinquent so how long do I have to wait. shah

I, like some of the other posters, used a debt management program that insisted that they would help me get out of debt... eventually I caught on and did get some money back in the process,but the damage of not paying my debt for 2 years stacked up. I have 2 accounts that Mann Bracken is in charge of and while using Credit Solutions they let me know that one is for about 13k and the other is for 4k. Over the phone the lady told the representative from CS that I have a warrant of debt for Nov. 19th for the 4k account.

Anybody know of a consolidation company that does both? If not, any suggestions on a payday loan consolidation company? Thanks

I paid a collection debt with Palisades a several years ago, being young and naive at 21, I was threaten by them, so I paid them. Est amount of $400. Still being young, but not naive anymore I am 27 and trying to get this account off my credit report. It does not belong to me and I want to dispute it. I have been disputing this transaction for months and transunion does not want to remove this item from my account. I was wondering if anyone knew of any techniques that I could use: such as, write a letter or the phone no.

In 1994 I was issued a Capital One credit card, with a 1,000 limit. I had a 900.00 balance on it, and was ahead of my payments. A travel company charged over a hundred dollars to my card without my permission, and I was refunded. However that had thrown me over my limit, and until I got it taken care of, I had acquired over the limit fees, and late fees. I tried to catch up, but soon after lost my job, and was unable to pay on it for some time. The card of course was canceled by Capital one. Around 1998, I was sent a letter from a CA, saying I owed approx. 3,000.

Is that the best option, and can my bank refuse to let me close my account with owing them, or will all banks do a hard block, if you asked them to, and does it cost?

I have a mark on my SCAN report from CHECKAGAIN. It states it is for a check in the amount of 300. I can only assume this is for some type of internet payday loan - but I never had any with a company called Check again. I disupted the charge with SCAN and they sent me a letter saying it was valid with a 1800 number. I tried the number - which is Check Again - to see what company was putting this on the report. I get no answer. I tried emails...I get no answer. Anyone have anything similar?

Hi All, I need some advice on something going on with the checking account I closed when attempting to resolve my payday loans. I went to close the account and some of the payments were being debited. This was before the bank put a fraud hold on the account. They advised me to leave it alone, let the payments be returned and file a dispute (since I revoked authorizations) on the charges and the NSF fees that hit would eventually be refunded to the account. Well, the account went over 500 dollars negative. In the meantime, I filed the paperwork and waited to hear something.