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I'm so glad I found this website, although my head is spinning slightly from all of the info. I hope you all can set me straight. I have about $15,000 in various credit card and medical bill debt that has recently been turned over to various collection agencies. I have about $5,000 in cash that I can put toward immediately paying something off, but I'm not sure where to start. Do I need to send the debt verification letters first? If I don't get a sufficient response, do I still have to pay them, or am I only able to get the entry removed from my credit report?

SGQ, Ltd. has been trying to get small amounts out of my checking account incurring lots of insufficient fund fees. I never signed a contract with them. I did request a payday advance on line (before I found this site and found out they are illegal in NY where I reside) and received a call from Husk I politely said no and hung up. Then funds posted to my account under the name SGQ, Ltsd. I started seeing these small portions of money trying to come out of my already upside-down account. They deposited $300 into my account.

Please someone help!!!

Hi, I'm looking for information for my boyfriend who back in July had emergency life saving surgery. He is self employed. He does have medical insurance, however the coverage is limited. For example, the hospital portion of his 10 day stay was 85,000. the insurance paid 25,6000. That doesn't include his surgeon, etc. Is there a program or process that will assist him with getting the costs lowered? Thanks! Susan

Posted: Mon Sep 29, 2008 11:57 am Subject: Legal Papers -------------------------------------------------------------------------------- I am being sued by LVNV. I am not sure what to do. I tried calling the collection ageny/attorney office to try to set up a monthly payment plan but they refused unless i give them $2000 as down payment first. I don't have this kind of money. I don't make that much money and I don't own any properties at all. I'm more than halfway through my pregnancy and this is really stressing me out. I have less than 30 days to write a written response to the court.

I don't know how this happened. I am so embarassed. Principal Payment Payday One $1000 $250 MyCashNow $530 $175 Loan Point $400 $120 One Step Cash $400 $1350 Think Cash $500.00 $84.46 National Payday $360.94 $90.24 Cash Net USA $450 $77.25 Sign My Loan $400 $120 East Side Lender $500 $150 United Cash Loan $400 $120 500Fast Cah $300 $90 I am NEVER going to get out of this...HELP HELP HELP...PLEASE!!!

Hello :) I'm new but have already found relief in knowing that so many other people have been caught up in, and relieved from, payday loans. I have a quick question .... A storefront loan company, Ace, is threatening hot check/fraud/theft by check charges. Is this possible? I keep reading that internet loan places cannot press these charges but what about storefronts? I called the local DA and he said yes, IF they bring it to them (the DA) then they can. What are the chances? We obviously can't pay the full amount, $1200, and that's all they'll accept. Thanks :)

To my surprise, I found a new collection account in my credit file. The account is from UNIFUND, Ohio with the OC being Citibank. I did have the Citibank card but that was disputed and was deleted in the past. The new account has shown up almost after 1.5 yrs of that deletion. Interestingly, the account number mentioned on the account is not mine. I am assuming the account number CITI****** listed on the account is the credit card number they are talking about. I never had a card with that number. Also, the date of first delinquency listed is 09/2002.

I tried to delete my original post because I didn't want my full name on there and I don't know how to change my username....Either way, here is my original question and sorry for the confusion! Last year I took out an installment loan from Check N Go online through the First Bank of Delaware. While I was working with Langhorne debt solutions with all my other loans (which are all now paid!), it went to Apelles for collections. I originally borrowed $1350 and only made one payment to First Bank of Delaware/Check N Go Online before it went to Apelles.

Anyone here use this company ?? Good/bad ??