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What debts are not acceptable???

What does it mean when the plaintiff files a "proof of non-service" with the court in a collection case? What happens to the case after this happens? Thanks.

I have a car load and defaulted back in march. I paid it in april and then paid april and mays in the month of may. they added april's to the end of the loan (extended it) without telling us and now says we are month behind. they will repo the car tomorrow if we dont come up with the money. Can they do that. How do handle this? Then they said they would garnish my husbands wages if they repo it and we do not get it out of repo. Can they do that? We paid june, july, august and sept. but really we were an entire month behind without knowing it.

Well, my boy is on his way to Nevada. I told y'all I would post some pixs so here they are.

Hello, I posted this same basic question the other day, but I think maybe it got lost in the shuffle. We have had the same bank account in the same small town for about 18 years. Can a bank close your account for payday loan activity (credits/debits) or do they even care? I have not had any debit or check returned to a payday loan company, I guess I just wondered how or if this type of activity was monitored (except by the tellers you have to see at Wal-Mart, the soccer field, etc!!)-as I said, we live in a VERY small town!

A collection agency contacted us about 3-4 years ago saying my husband had a debt with them from a credit card. It was over $5000 at the time, and we have been paying it monthly since them. Lately we have been making bigger payments and we just own them a little over $1300.00. This was from something my husband may or may have not done before we got married (or I would know) and that's when I realized I wanted to know what the debt was about. I called the agency and they told me it was from an old credit card, and they do not have the records.

Hello, Just need a bit of advice. Through your website I learned of the Extended Payment Plan option. I had a loan with Check Into Cash in Alabama, went yesterday, the day before my due date and in about 10 minutes I walked out with a payment plan in place. Went back today and made first payment, no problem. I also have a loan with Advance America in Alabama (FLORALA ) . Went there yesterday to request an EPP and was told that the check had to be returned first.

Is PDM (Phoenix debt management) 866-504-7548, also known as AIS Services 888-920-1300? I've read one reference that they are the same CA. If so, I wonder if they are in violation of the fdcpa? I sent PDM a certified C&D letter that they received on 10/27/08, and today (10/30/08) I was called at work & on my cell from a "different" CA. Today's CA was one I've never dealt with so that's why I'm so curious.

anyone's thoughts on bankruptcy? in debt, home in foreclosure, credit ruined. How can it ruin me anymore than I am in. It would have to be chapter 13 not 7. Don't know what to do

I just wanted to say to you all GREAT JOB on cleaning up the boards this afternoon!!!!! I can in here and there were tons of spam all over the boards and now I see that it is all gone :D I just hate seeing those loan offers that you have to contact them through a yahoo e-mail :x If they were a legit company they would have a normal e-mail not a yahoo e-mail.I hope that no one falls for them. Thanks again!!!