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I cannot tell you how much of a mess I used to be. I'd pay some bills when I remembered, some I'd wait 3 months, some I'd pay 3 months ahead, and then forget to pay 3 months later ... seriously, I was a mess. Constantly paying late fees, over fees, shut off fees etc. My life has become so much easier since I became somewhat organized. The first thing I did was to set up folders for each monthly bill, and then a folder for each other-than-monthly bill (like car registration, property taxes, etc). I set up a section in my desk at work where my personal files go.

How i may contact admin this site? I have a question. iijiivei

i recently lost my job and i made the BIG mistake of getting pdls. im currently in bankruptcy and i dont think i can add the loans to it. i contacted the pdls by emails and they are still taking out the money . now im overdrawn. HELP ME PLEASE

What do you guys think is a good settlement offer to a Junk Debt Collector . They are asking for 3,000.00. Original charge-off was 2,500.00. I have 1 year till SOL is up. I sent them a validation letter back in January and they just got back to me this week ( 9 MONTHS) AFTER. All they sent was a print out of the OC name and charge-off amount. That's it no proof of ownership or anything else. Should I call them or mail it to them? What do I do if they reject my offer and I can't afford to pay the full 3,000? Wait for them to Sue me?

I have seen posts before on this collection agency and would like to know what kind of debt validation letter I should use for these people. They are sending me a bill and have offered to settle and attached coupons for me to use. There is no way I have this kind of money and I am sure LVNV did not pay hardly anything for this account and is trying to cash in on a windfall. Has anyone dealt with them that can give me some pointers on how to handle them?

My boyfriend and I have a joint bank account, we seperated in July and I no longer used the account, because he did some pay day loans, that I was not aware of. I want to pull my name off our bank account. I went to our bank and they told me I needed to zero out the balance. It's $920.00 negative for his pay day loans. I don't know what to do. I don't know how to contact MTE Financial.

I received a payday loan over the internet and sent a similar copy of the posted email, they responded and told me that they are located in costa rica and operate under their laws not nc, I did close my bank account what can i do know

My first visit and I am overwhelmed, by my debt and the options to get out of debt. What do I do next?

Ok, so I have seen both of these referenced here, I want to know what is the difference in the two? Do all states have them?

My mother is 82 with Alzheimers. My brother, who is 41 is her caretake and has mestases Melanoma (Stage IV). Last year they moved. A debt collector apparently purchased a debt and filed for non-peridic garnishment of their joint checking account, which was approved by the court. My brother never received anything at all as we just discovered that everything was sent to their old address and the tenant at the address (my brother rents it out) never notified him. To try and make a long story as short as possible: We received a Garnishment Release on Sept.