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I am new to this, please excuse me for any mistakes. I have currently hit bottom and have 4 pdl,but I would like to end this cycle exactly where do I start. I live in Va.

okay I have loan and I closed my account so they would stop takig $74 out overy payday. I have been paying then $74 a payday since March..so roughly I have paid at least $740 on a $200 loan. I have closed my account, should I give my new checking information and continue to pay, or just settle with 247advances when they contact me for non payment? or from what I have read have i paid my loan back and no longer owe anything?

when the pdl companies call me, do i really need to call them back? i have closed my bank account. i have 3 internet pdls and i live in the state of fl. i have found out none of these companies have license to do business in the state of fl. through the fees, i have paid all of them back except for one and i only owe them 30.00. can i just ignore them or do i need to talk to them and let them know that i know they are not licensed?

I rec'd a charge off from a credit card. I rec'd the charge off form of like 800.00 and now this year they are reporting on my credit report that it was charged off for 1200.00 while i have the form they sent as a charge off of 800.00. I disputed this with the credit agency and the agency stated that the credit card was right. I have a piece of paper saying that they charged it off for less. I haven't paid it as I cannot find my actual statement before it was charged off to see what I really owe. What do I do?

My mom is 85 and has 10000 on one credit card. She can't make any headway on paying the card off or even down. She is one SS. Is there any help out there.

I have been reading some of these threads ,and i just wondered if it is better to use a consolidation company or just try and settle my payday loans myself.

I own an SUV, only 2 years old, and I need to get out of it. Tried to sell it...no takers! Does anyone know how a voluntary repo works?...like if I just turned the car in to the finance company? Could I be sued for the balance? Any advice would be great!!!

is debt settlement bad for your credit?

I have two PDLs one with Paydayone one with MyCashNow. I contacted Paydayone today to arrange a EPP, they flat out refused to help. I have read on this website that people have been successful with dealing with them and they are willing to do arrange a EPP and stop the crazy interest/fees. Does anyone have advice out there to deal with this? Should I jsut call again and try to talk to someone else? MyCashNow is a nightmare. I have $1000 loan with them and I have paid 399 in an extension already. I have another 399 coming out of my account later this month.

Im 22yrs yound and have moderate debt issues. I have one credit card that is killing me. I owe $5300 with a 28% apr and they will not lower it. My other cards are only $500 limit and i owe nothing on them. i have a hard time making other than the minimum payments due to high interest. I do not know where to go from here and i do not want to take a loan out and im not even sure thats possible.