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Will a bank freeze your account for a NSF charge? Thank you Deb

I have 4 payday loans. I have gone to my bank and closed the account. I have send the certified letter and faxed the letters except ameriloan that doesn't want to give me an address. I am not sure if I should hire pdl assist to help me or to do it myself? I have until the 19th its when they will try to charge me but the account is closed. I live in florida and my pay loans are with: ameriloan: 300 paid 500 oneclick:owe 260 Paid 460 already integrity advance: 400 paid 480 loan point USA (Geneva Roth Capital) ($600 I havent started paying yet They are all in computer loans?

1. Is there a recommended amount of time to wait before approaching a credit card company for a debt settlement? In other words, if you stop making payments to the credit card company today, is it best to wait 3 months, 6 months, 0 months? 2. Will you be able to ask for a debt settlement if you have assets? I have an RV worth $10K and a second car worth about $3K. Would they insist that I sell these before discussing a credit card debt settlement?

I have the following pay day loans out: VIP / Qloot - paid 650 on a 500 loan MTE - paid 625 on a 300 loan Payday Services - paid 275 on a 250 loan Cash First / Impact - paid 500 on a 300 loan I have sent emails to MTE, Cash First and VIP. I have set up payment arrangements with VIP. I have yet to get a response from Cash First. MTE sent a response that they would not be debiting my account as i have revoked ACH with them and want to settle for the principle.

I'm unemployed, have no assets and owe the OC $6000. The CA is only working on behalf of the OC, they don't own the debt. I have a family member willing to help me settle with the CA, but realistically, how much can I lowball the CA? They'd never get any money out of me if they sue because I don't have anything so I would think they'd be willing to take whatever I offer. But how nasty are they going to be if my offer is too low? The CA is Creditors Interchange, by the way. Should I even speak to them on the phone?

My student loan has just been completely paid off by garnishment. Will I be eligible to get any more student loans as I want to get into graduate school and will need more loans for that?

Hello everyone. I would appreciate all the info and help I could get. I had to take out a $300 and paid a total of $380 on my first loan. I did this cycle for probably 3 or 4 times now. I get paid once a month and they said that their loan is based on a two week pay period so everytime I pay off my loan of $300 + 80 in fees, I had to wait out another 2 weeks to reloan and I needed to end that cycle only to find myself borrowing $700 because they raised my limit which was supposed to be due on 9/1/08. Unfortunately, I didnt have enough to cover for the whole $897 that I needed to pay back.

I have been served the summons by asset acceptance last month, and I responded to the complaint in the timely manner. There is a case management set-up in the next 20 days... yesterday i received a call from asset acceptance... not from their lawyer.. Can they do that???

Hello, History: I have been in a CCCS plan for 2 years. I have been making my payments of $900 a month the whole time. It has been hard and I have not been able to pay my rent without working for my ex husband for the rent money. He works out of town and I have stayed at the house while he has been gone to feed the animals and make sure our sons (18 adn 20) are not tearing things up. They all had a fight and the boys are moving out the end of this month.

Can I get any recommendations. I am just getting into the process of wanting to pay off my credit card debts and get out of debt for good. As of now I owe... Credit cards (citibank) $16000 at 8.99% interest. Consolidated federal student loans $34000, at 2.8% interest. As of now everything is up to date, but money is very tight. I've sold most of what I own. I don't own anything large like a car or house. I tried to start a freelance graphic design business and a record label and went into debt for each one.