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Overwhelmed with personal debt, I procured a loan from the Little Loan Shop in the amount of $350.00. They deducted $105.00 (which I agreed to pay) every 2 weeks (on my pay day). During the first payment, they debited my account at 12 a.m., on the day my payroll is posted. Unfortunately, my salary is not posted to my account until 9 a.m. This resulted in an NSF of $29.00. I called and a representative apologized but the fee could not be recinded. The date my account was to be debited was amended so that my account would be debited, the day after I am paid.

Ok I just had court today and witnessed the judge totally ignore the law..I couldn't believe it! Basically long story short: Rent came due..gave it in cash with a promise of a receipt..none was forthcoming then MR landlord seems to 'forget' I paid rent. Yeah right. We argued about it for a while, till the 10th when he threatened to evict.

my car was registered to a differerent address(private mail agent) than my home, the insurance co. said my rates had been too low and would not cover $21,000.00 when the car was stolen. this is my ONLY debt and ONLY negative on my credit report. should i try debt settlement or bankruptcy?

I'm not a salesman but I just thought that this one maybe a better one for you guys. I think its better for us to share our best kept secrets. Anyways, keep posting yours. Link removed.

I have 2 payday loans out there one with upfrontmoney.com for 300.00 and arrowhead investments for 300.00. I have paid 404.55 to upfrontmoney.com and I don't want them to keep taking my money. I have also paid 270.00 so far to arrowhead. Next payperiod I will pay 60.00 over my loan amount. I live in Florida and I don't know the laws here can someone help me out? I really can't close my bank account what else can I do?

I just wanted to update everyone on my status and thank you for all the help given in this forum. I finally made a deal with 3 of my credit cards! They all negotiated for a LOW monthly payment and reduced my interest rates from 29% to 4.5%! I am still tryiong to get one more (chase) to negotiate, but they are tuff. I finally feel back on track. I will be paying these cards off for 5 years, but at least I will be done once the term is over! Thanks again for all the good advice!

So I had this 300 dollar loan with Check into Cash. They apparently sent the debt to Alliance. I have since changed cell phones and they have been calling my job. They have threatend legal action against me over and over. I have only dealt with them on the phone 3 times, but they are so rude! So today I get this call from them, that I had promised to pay and I didnt. I told her something came up and that I wasnt able to. She said I had until the end of the day to call her if i got the money...

I just got off the phone with someone from Care One. I'm going to enter into their debt settlement program with Persels & Associates. I feel pretty good. They are going to settle for 72% of what I owe. My payments will be affordable each month and I feel like I can breath. My first payment isn't until 11/15 but they told me that starting today if I get any calls from a CA to give them the number to Persels and tell them I'm being represented by a law firm for debt settlement purposes. I feel like I can breath.

So I had this 300 dollar loan with Check into Cash. They apparently sent the debt to Alliance Asset Management. I have since changed cell phones and they have been calling my job. They have threatend legal action against me over and over. I have only dealt with them on the phone 3 times, but they are so rude! So today I get this call from them, that I had promised to pay and I didnt. I told her something came up and that I wasnt able to. She said I had until the end of the day to call her if i got the money...

I have 4 loans and the fees are beginning to swallow me whole. I live in MIchigan and have been hospitalized twice i n 6 months. I need help. Will these loan companies negotiate with me? I just need some breathing room. What can I do. I dont want to close my bank account and then have them calling me at work.