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OK, I got a $300 online loan from Emerald Marketing Group in July of 2007. They debited $90 from my account biweekly. Stupidly, I didn't read the fine print and didn't realize that they would continue to "extend" the loan.(I thought I would owe them $390 total which they would take out in installments until it was paid!) I know ignorance is bliss! Eventually I had to close my account because it was a disaster and I couldn't get it straight! All told, that $300 cost me well over $2000 in fees that I paid them and to my bank for NSF.

Has the current credit crunch slowed down the payday lenders?

I have been making arrangements with credit card collection companies and they just keep wanting me to make future payments up to 3 months or more. what are my rights on this and are they obligated to take anything i offer. such as i have offered $25 and they have said that is not enough i asked are you not accepting my payment well uh thats not it you can make that payment but i will be obligated to let the company know you refuse to pay.

I was about to join PDL Assistance and I found out they had a bad reputation through the BBB. I called and specifically told them that I was not going through with the company because of the information I found out and not to deduct anything out of my account. They agreed. On September 29, 2008, they took $200.00 out of my account without my permission. When I called them to tell them what happened, the lady told me that she would send me to cancellations but it would take 24 hours to take effect but it was not a guarantee that I would get my money back.

this is the email sent from impact cash after i have sent my letters, it all messed up, not sure what they were doing if they even know but it says $3000 for payoff on a $300 loan!!??? ~~~~~~~~~~~~~~ We are willing to settle with you at the total amount paid of $390.00, which includes your principle balance of $300.00 plus one service charge of $90.00 to pay for the costs of processing and funding the loan. Please let me know how soon you will be able to make the final payment of $3000.00 so that we can consider the account settled.

I am somewhat new to the forum. I live in Alabama. I had a loan in November or December of 2007 with Discount Advances (internet based of $740.00. They took payments out of my account for several months. I have to go see if I can get a printout of the payments as the account is closed. I also paid them monies through money gram. they have now sent me to Professional Debt Mediation, Inc. in Jacksonville, Florida claiming I owe 848.25. I know I have paid them almost $700.00. The Debt Mediation Co is saying that they said I have yet to pay them anything.

[font=Tahoma][/font][color=Blue][/color][size=3][/size] Hello, I am a married mother of 3. I am filing for chapter 7 on myself only. I have a few credit cards that are maxed out in my name only and I have hospital bills that are in my name . Will it affect my husband if I file? I had a free initial appointment today she gave me 2 options filing chapter 7 or 13? Not sure on what to do. Everything is in my husbands name our cars, but our house is in both he is the primary on both mortgages. We want to keep paying on the mortgage and the car payments .

recieved a refund from nes note that it was a refund from citi cards, why?

I am new and happy to with you in this forum

OK, my brother did not listen to me and he went and got 2 payday loans. One is from some place called Nationwide and I do not remember the other one. They have totally drained his account and now he is fighting to try to stay afloat. He did not listen to me about how they get you and how it is a vicious circle. Those of you that are considering it, please pay attention, these will not do you any good. All that will happen is that you will get deeper and deeper into debt and next thing you know your whole check is going to pay these loan payments.