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Tomorrow, I will have made my 9th agreed upon payment to NCO to rehab my loan. My questions are: 1. how long before they discontinue the garnishments of my paycheck? 2. will the tax offsets discontinue immediately? 3. on average, how long will it take to be reflected on my credit report? Thanks,

What's best to.... I do besides bankruptcy, scared the net is full of scams, etc. Content edited - duplicate post - Jason

What's best to get help out of $30,000 credit card debt, current on min payments that are going nowhere for me, have a mortage, min. assets, current on bills barely, husband lost FT employer, now self-employed, I'm working just to pay min. on credit cards, a job that's stressfully taking it's toll on my health. What can I do besides bankruptcy, scared the net is full of scams, etc.

Hello folks just joined the community trying to fix my problem. I'm 21 not married new baby on the way shell be here nov. 20th My mother opened an account under my name when I was 18 which was something I didn't know about until I started receiving the bills when she left to go back home to live with her husband in the Philppines. Captial One - $1500 - over limit (Currently charge off as bad debt on credit report.

I have payday loans that I have stopped payments on because I was out of work. I have since set up payments and moneygramming them every two weeks. If I can not make the exact payment for instance - one is 180.00 and I only have 100.00 to send can they do anything to me. I have been diligent in sending payments but they scare me by saying "I can only go three payments out - 4 payments out - you have to send this etc and on and on. I have been honest and upfront from day one with them and even though I am sending them money = they are snotty Please help!

Governing Law: By obtaining this loan and or renewal of this loan thereafter, both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lender is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency.

Our only "luxury" are our cell phones through Sprint. Our 2 year contract is up next month so I thought I would start shopping for new and hopefully cheaper plans. We are paying about $85 per month, every single freaking month. We don't have a home phone, and commute to work, and really do need our phones. We currently have 2 cell phones on one plan, with unlimited texting, 700 minutes, free evening/weekends. We use nowhere near 700 minutes, and I hardly text, but the plan we are on comes with that stuff.

After researching PDL guidelines for the state of Wyoming I sent out letters to my internet PDLs stating I do not owe more than the principal and all correspondance needs to be via US Postal Service or e-mail. The problem I am having is Integrity Advance continues to send e-mails stating to call and talk to a customer service agent. Should I call or continue to only correspond through e-mail? Has anyone dealt with them before? If so, are they reasonable?

I had an old USBank account that went into collections in 2005, and was closed later that year. I did not find out about the account being negative until a collection agency contacted me in 2007. I told the agency that I needed to know why the account went negative, because I had not taken any money out in quite some time. They could not give me the information, and did not contact me any further. Then in November 2007 I received a letter from KB Merrill stating that I owed $550 on the account. I called them and told them I disputed the debt, and would like additional information.

I have a question; I have two pay day loans. My friend told me after the fact that it is illegal for me to have two. I did not know that and was never asked if I had any other loans open with other pay days loans. Can I get into trouble? Obviously if I had the money I would just pay them both off but like most people who turn to a pay day loan place I am in over my head and sinking. It is a store front by the way. I have borrowed $500 from both places and I have had both loans for a really long time. I have never been late on my re newel payment wither.