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So i read and took the advice of you guys here and sent a DV letter to MRS out of NJ. Now its past 30 days and i get a bill from a Enterprise Recovery Systems out of Illinois. And only a bill nothing i asked for including previous payments, fees, interest rates. nothing. I do not believe this could possibly be legal. These companies are charging and collecting anything they want with zero record keeping. anyone know how this is legit?

My family and I are absolutely desperate and need some help. We are currently behind and 40k in credit card debt. The thing is, I am not sure if it is the cost of living in Los Angeles that is killing us our what? A nice chunk of our credit card debt was used to pay off things like the electricity bills, etc. I make 42k a year and my wife makes 15k a year. We currently owe more than we make, and things fall behind. We have tried to juggle bills as much as we can but we are being crushed in this middle class crunch.

i need some good advise from someone about these credit cards

Hey Guys! Recently I overdrafted by about 1,000 dollars. My check was direct deposited into the account which left me with -$200 account balance. My car payment was due so I freaked out and had to take out multiple internet payday loans and store front loans. I'm trying to take care of this mess and get everything paid back so I can have my financial situations straightened out. This overdraft has negative affected me for months now almost.

Okay, first of all if this is posted in the wrong forum please move it to the right forum. Okay, I have a confession to make I accidently bounced a check when I licensed my car like longer than 3 years ago, :cry: I immediately paid it, when my husband went in to license his truck my name is on a list at the DMV not to accept a check from me :roll: ...

My wife set up payments with a CA that went on for 6 months. The CA stopped taking payment out of an account that I set up for them in April this year. This month she gets a call from another CA stated that they bought the debt and had tacked on another 1500 dollars. Is this legal when she had an agreement with the other CA. And then to add another fee?

who do u call when u r dealing with a bad management company

I am scared to go into debt settlement because of all of the negavtive things said out there. Please let me know if anyone has heard of or dealt with Pacific Debt Inc.....I just want to do the right thing....thanks in advance.

I have been having a back and forth with them. They want me to pay over $800 dollars for a 300 dollar loan. I have already paid $270 in fees. I told them I am not paying that. I do owe principle and if you minus the $270 already paid in illegal fees, its $30. They have called me twice and lft messages and I have not called them back. I think I should but how should I handle it? I also filed complaints with the AG and BBB.

Question: do you help with payday loans