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Hi Everyone, Due to a death in the family and a temporary cut in hours, I fell behind on an account with Dell Financial Services. The last payment I made was in late August, but that was for the past due amount. Last week I went online and set up payment for 10/17/08, for $170, which is half of what is past due. I figured I would pay that, then pay the other half on my next payday (10/31/08). That way I could get back on track. However, all this week I noticed calls from various 800 numbers. They never left messages, and when I answered, no one responded.

Just to update whats happening in my payday loan situation. So far all the letters I sent certified have been returned, unopened, no answer what so ever. The only e-mails I have received have been to let me know there is a problem with my checking account, gee I wonder why! Not one of them have accepted my offer to settle and send m.o.'s for payment. Then today I get this one. I needed a good laugh and thought yall might like 1 too! I have read and understand your email. We only accept electronic payments.The loan payoff listed below is the best I can do for you.

My debt was Validated and I want to try a settlement offer. I have tried to do a pay in full for delete but they wont delete just update as paid in full. They will not budge. So why pay the full amount then. I'd rather do a settlement offer but don't know how to go about it. This is to Midland and what I owe is 3,074.00. What should I start with maybe offering them 900.00? Will they laugh at that offer? The SOL is not up till Oct,2009.

can my bank take out a credit card payment out of my checking account which it did then informed me one week later also caused a over draft .

Somehow a debt collector has gotten my phone number and keeps calling trying to contact my son. He does not live with my nor does he have a phone. I have told this collector that he does not live with me and I told this guy he don't have a phone. My question would be: How many time do I have to put up with this guy before I can go nuts on him. What should I say next time he call and starts tell me I need to tell my son to contact him? I'm not there answering service. Thanks

I have about $19,000 in credit card debt with my husband. I've been looking into various programs. I started to sign up with Credit Solutions debt settlement program and then read the reviews here and thankfully didn't sign up. I'm not sure whether to go with a dmp or debt settlement. My cards are way way way over due and at this point its a miracle I haven't been sued I'm just waiting for the day I get served and it scares me. I tried to talk to the original creditors but they just tell me to go through the collection agencies. The CA keep telling me they want like $500 a month EACH.

There are multiple posts that refer to an ACH Revocation form. Could someone provide an example of this form. A sample is not available anywhere on the site.

does anyone have any info such as email address and mailing address for mypaydayloan.com?

So I was sued a couple months ago by WW&R and I didn't go to court so they won by default judgment. I was going to let it go but then they attached to my bank account and put a hold on it for $4000 and then I got another notice to come to court and testify about my assets. So, I went to court and disputed that I owed the money. While the judge was not pleased that I didn't come to court the first time, he granted me a new hearing for today for motion to set aside judgment and also the lien on my bank account expired today.

I have just sent all my pay day lenders polite but threatening letters about my accounts and dealings with them what should I expect?