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Hello, everyone! I know that each case is a different one... But I am so confused in what to do... I have 40k in unsecure cc... I don't know if I pick debt consolidation, debt settlement or BK... I current do not have any late payment... but I can't do the minimun payments anymore... I s/w A Debt Consolidation company and I would have to come out at least with almost a $1000.00 in order to make the monthly payments... I current don't know how... even though I have already applied for a part time jobe...

I was reading the sticky up top and noticed the back door to Experian...does anyone have one for Trans Union?

I saw this company mentioned on Gerri Detweiler's website? Anyone ever heard of it or used them? Thanks

Hi everyone! Last week I received a rude msg from some with Hecker Law Firm. After doing some research on this site and looking at a recent credit report, I'm sure they're representing UNIFUND which "took over" a CHASE charge off account in May of 2008. My last payment to CHASE was in February, 2006. I know the SOL for North Carolina is 3 years. The charge off amount from CHASE was $2,700. But of course, the new balance reporting from UNIFUND is $3,200.

Hello. I like many of you have fell into the pdl trap and am stressing out over it. I need to know if these companies are illegal in ohio and if so, what can i do to get out of it? 500 fast cash, one click cash, and b&l marketing. I have borrowed 250 from fast cash and have paid 300 on it so far. 200 from one click and have paid 240 and the exact same from b&l marketing.. Please help me get out of this mess

Question:I have read a couple of complaints about allied interstate and they have just started to call me also. They call constantly over a debt of 45 dlls. Every time I try to settle with them through mail they refuse to bill me through mail instead want to obtain my bank account information. This I found quite suspicious. Just this morning at 8 am they called again and the guy was rude! He even said that if I didn't pay this amount it will mess up my credit index!

Hi, I wanted to also put Freaky Friday's name out there as a possible DS. Freaky has always had great posts and has offered a lot of insight. What do you think?

I have retained another law firm that has helped me already as your firm has not. Please do not take 150.00 from my account as I am in the process of canceling services with your firm. I also would like a return of 150.00 that you took august 2008

A new state payday-lending law hailed by consumer advocates as one of the best in the nation takes effect today, but lenders in Ohio can pretty much ignore it for now. A key section of House Bill 545 is on hold because a payday-lending coalition filed more than 400,000 signatures with the Ohio secretary of state's office yesterday in its effort to qualify a referendum for the November ballot. During the next three weeks, county elections boards will determine whether lenders have the 241,365 valid signatures they need. A referendum at least temporarily prevents a law from taking effect.

I received an email a few days ago stating they will now be handling my loan, not mte. Thanks for the email- now I know who to send the letter to. I have paid 240 on a 260 loan. If the anyone needs their contact info,heres the email: InstantCashUSA As of 8/26/2008 we will be managing Instant Cash USA...again. You previously received a loan from MTE financial and may still have one. We were the original management team back in 2004. Your accounts will be handled by us going forward.