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hi everyone, I have 7 payday loans that i have had for months! I have always paid my renewel fee on time until last week i closed out my bank account. i faxed everyone before hand notifying them that my bank account is no longer valid and i would be contacting them soon. that did not stop them from trying to debit my account.

both are calling me on old pdls - one for Premier and one for 3 Midland - I have overpaid both of these companies and now I was sent to these collection agencies, I ask for debt validation, what type of informatin should I receive from them for debt validation, fidelis said they sent something - I don't have it but I have so much out there - I forget who sent what or who called for what.

I have some credit card debt (3 months default) that tried to pay off/down. (My hours were cut the last 3 months) The creditors I have are: Walmart 300 Target 300 Capital One 800 Sears 800 Household Bank 800 My problem is my bank account is frozen because of a judgment so all my payments to the creditors bounced. While I'm trying to settle this judgment, I am living paycheck to paycheck and I have no assets, not even a car. I only have enough left over to make very small payments a month. Do you think the creditors will agree to such a payment plan.

I have some debt that has been in collections for a long time every time i try to deal with them they are very rude and threaten me. I am at the point where I have been ignoring them for a long time and my debts get sold to different companies. I know my credit is very bad but I heard If you pay off old debt It is just the same as just letting it fall off your credit report. Is it more important to get my current car and student loans paid off as fast as i can or to try and pay off the old debt at the same time as my high interest loans.

I live in California, but since I am desperate for an account, and I can't get one locally due to boa reporting me for fraud for somthing that was State Farm's fault (long story) suntrust opened an account for me about a month ago online, 2 weeks later it was gone from online banking, so I opened another one, and it's still showing online. I am leary about putting money in there(the savings acct has also disappered, leaving just the checking info. Does that mean they have closed the others and will close this one, too? They sent me checks and a checkcard, and I called and the checkcard works.

First of all, THANK YOU to the helpful folks who have been answering my questions - both those that I have posted, and all of the other forum members' questions which have turned into such a wonderful resource... I have several "basic" Debt Verification questions that I'm hoping someone will share knowledge about... (I'm in West Virginia, in the event anyone has any WV debt experiences / knowledge to share...) I see it written that a consumer has only thirty days to file a Debt Verification Demand / Request.

Today, I was served at my door by Zwicker in regards to American Express from 2005. The "summons" is clearly a photocopy and today is August 5th and the summons was filed on May 5th!! It also appears the case # has been altered. The lawyer signed it April 28th. They enclosed a form that says if I want to avoid the suit, to call them to make payment arrangements and they quoted the mini miranda. Is this bogus? This is 4 months later!! Thank you!

Hi... I've been reading the posts and have seen that others have had problems with a payday lender called Rapid Cash Management... I applied for a payday loan online on a a website that matches you with lenders, and RCM called me.... I gave them ALL of my information they even called my bank with me on 3 way to "verify" al of it... I got the money from them already but everytime i try to call their number it rings once and disconnects... I keep reading that theyre "illegal" but what does that mean for me? i dont even know how to pay them back i dont have their information now!!!

Hi... I've been reading the posts and have seen that others have had problems with a payday lender called Rapid Cash Management... I applied for a payday loan online on a a website that matches you with lenders, and RCM called me.... I gave them ALL of my information they even called my bank with me on 3 way to "verify" al of it... I got the money from them already but everytime i try to call their number it rings once and disconnects... I keep reading that theyre "illegal" but what does that mean for me? i dont even know how to pay them back i dont have their information now!!!

I received this note from A2Bcash. Does anyone know anything about this? Is there anything I can do besides closing my bank account? As explained in the loan agreement, we are a non US company and as such do not require US licenses. Also, in terms of payment, on your scheduled due date you have 2 options, you may extend the loan by paying the $74 interest only, or repay the full balance of $274 to close the account. All payments will be taken from the same checking account that the loan is sent to.