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I've been reading on this site and found some great information. I'm going to use one of the letters that's posted to send to the PDL's I have, but I have a few questions. So first, my sob story (in short form): I had two houses in town, I sold one, had a contract on another and bought my dream home in the country. The contract on the second one fell through and with the RE market the way it is, it took another year to sell it (at a loss). So my savings were eaten up by paying two mortgages a month. So I tried to get a refi on my new house since I had put a good amount of cash down.

i had some problems with payday loans and closed my account and got a new bank account. somehow the collection agencies for these loan companies got a hold of my bank account and have been trying to debit different amounts. i called them and tehy stated they are allowed to debit my account. tehy stated when i signed my contract with pay day loan company i authorized this, i was even told by one for a loan i had in 2001 that by federal law they can do this, i was never contacted by these collections agencies so how it is that they can do this. what are my rights?

For about the past week, I have been receiving calls where someone is obviously talking but there is so much static, I cannot understand them. At first they were coming in on the Caller ID as "unknown" but I finally got one with a number the other day. The number of the caller ID then was 866-451-5821. When I call back, they just answer "Card Services" but no one every comes on the line. Does anyone know who this is or anything about them?

Does anyone know what are the Statue Of Limitations in the State of Nevada for Payday Loans? Meaning what are they considered to be Like, Promissary notes, Open Accounts, wriitten contracts and etc....?

For the past 2 days I have received calls from an officer Ryan from United Federal Investigations, saying that my social security number has come up in an investigation for fraud. If I don't call him back no telling what will happen to me and he wishes me good luck. I did take out a payday loan which I did paid some of it back, but now I am really scared. From what I have read on here I don't think they can really arrest me for this, but I am scared he is going to start calling my supervisor here at work and possibly get me fired.

I know these people go by a million names. I have 2 loans out with them. One was a total of $550 ($400 principal and $150 finance) and $130 ($100 principal and $30 finance). Just talked to them and set up paying the $130 by next Friday and the supervisor said we can work on the $550 over Sept., Oct and Nov. Again, do I want to pay these. HECK NO. But they are legal and I live in the state of PA so I HAVE to pay them. Of my 13 PDL's, I feel I making some progress. Oh, after this call I had a call from the wonderful scam artist from US National Bank again.

We are affiliated with Nationwide Asset Services, INC. Are they an accredible company?

Has anyone considered this? I found a company calld PDL, helps settle your payday loans and the program last for 12mos.

My loan went into defaut on the 31st of July. They called me today saying i must call back today before they do anything further, im thinking collections, not sure. They sent me a payment plan via email that was for the 21st, the 28th and 9/4 to be paid in full. I told them that I cant do that and would rather do half on the 4th and the balance on 9/18. (this was via email also) Anyone have exp. working with them?

have you ever heard of state capital financial and what is your opinion.