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how do I find out who to pay on a late debt that was sent to NCOFIN/99 collection so I canget it off my credit

We have five payday loans here in Texas. 1) Cash America. $881.51, interest $149.51. 2) EZ Money $1113.55, interest $188.55. 3) Quick Cash $979.34, interest $166.34. 4) Fast Cash Advance $550.60, interest $100.60. 5) Check n Go. $926.10, interest $156.10. We pay the interest on these every 2 wks when my husband gets paid, which is almost taking up his entire paycheck. It is getting to the point that we can't make our rent or car payments. We don't want to default but we can't lose our vehicles either. Has anyone dealt w/any of these companies? Do we have any options?

I got two letters today from NPA (Naitonal Process of America) located in Kansas (?) saying they are acting on behalf of American Consumer Credit. One letter is for 95.00 adn the other is 375.00. I am guessing it's for some type of payday loan - but I have no idea which one because it's not an original name. Any Ideas?

Ok so I'm trying to find out if you can file Chapter 13 after having a previous Chapter 7. I've called 3 lawyers offices and 2 said you can't file for 4 years after your discharge and the other said you can file at anytime, you just can't get a discharge until after 4 years from the Chapter 7. I was surfing around the net today and I found a couple of varing answers again, I've listed what I found below. Does anyone know for sure what the rule is??? From the Internet: Did you have a Chapter 7 discharge within 4 years of filing a new Chapter 13?

I pay my mortage before it is 30 days late. I called my mortage company at 2:00 PM PST on August 29 to pay using their phone automated service. It will not post to my account until Sept. 2. I called the Mortage company and asked why it did not post today. I was one hour late. They stop posting at 4:00 PM EST and I will be reported 30 days late. Is this legal?

I need a good place to order checks from that is safe and not too expensive thanks

Hi Guys, I have been paying MRS associates for they collected on for a private loan from a bank which was for college tuition. Question: I ran a credit report on myself from 2 of the big 3 agencies and i am not in collections for anything. I am just confused and don't know where to start. MRS was hounding me for $400 a month which i can and could not pay so i have been giving them what i can. Usually $200 a month. Is there any possible way that would not haven been reported to the credit bureaus?

Has anyone here heard of this? I was reading around one of credit card's websites (it's a business account) and they have a whole section about how they want to help you in your time of need. I was e-mailing their collection department about my payment which I have not made for this month and saw this. Evidently there are programs for small business owners much like dmp's. Lower interest 5 year programs. Anyone know about these?

Has anyone ever dealt with pdl eleminators or pdl assistance? They are a company that settles your pdl's for you for a fee and do it over 6 - 12 months. I have already paid them my initial $200 start up fee but unsure whether to cancel and do it myself or stay with them. I reside in Illinois and already know the laws just still unsure what to do.

HI, I really hope some one can help me. I have serveral PDL out there. Big, Global Financial, ezpayday cash, and cashnminutes. I simply can not pay for these anymore. I have been paying on them and can not seem to catch a break. I went this morning and closed my account and opened a new one. The bank assured me nothing could be taken out of the new account. Cashnminutes had a so called investigator call me saying that if i did not pay $750 by 09-06 then a process server would serve me at work and i would have to go to court in tx/ I live in new mexico.