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We owe about 21k in credit card debt. We are on a settlement plan but it is 5 years and I'm afraid we'll be sued and/or not save any money. I am considering just filing bankruptcy and being done with it. Any thoughts? I also posted in the debt settlement forum--but thought it might be wise to check here also. Thanks!

We owe approx. 21k on credit cards. The settlement company projects we will pay about 14-15k and at the payment we can afford it will take 5 years. Would it be better or easier to just declare bankruptcy? I know a chapter 7 is pretty devastating to credit reports, but we could start rebuilding credit much faster. Any suggestions are greatly appreciated.

I don't have the addresses for all of my internet lenders but I put the numbers together and I'm expecting some pretty large refunds from some of the companies. I don't really care if I get the money back at this point (of course it would be nice if that worked out) I just don't want to have to pay them anything else! Any suggestions how to get these lender's address (email or mailing) and if they are legal in Oklahoma? Zip19 Tremont Financial EZ Payday Impact Cash Vince Enterprise B&L Marketing SSM Group, LLC.

im at a loss..i had taken out several pdl's back 1-2yrs ago - so many charges that my checking account became overdrawn and it was overdrawn for so long that the bank closed it. i honestly have no idea if all pdls were paid in full - but i have paid personally the ones that contacted me.

I have like $5,000 i debt, and need some ideas on the quickest way to get the taken care of, maybe some help!?

closed my account and got a new one because i had problems with pay day loans. i received a call from tony at 888-622-0222 stating he represented a payday loan company that i needed to pay. would not give me information on who pay day was with. today on my new account nrs (national recovery systems) took 252.00 without my permission. i do not know how they got my new account. called them and tehy stated tehy have ways to find out things to get you to pay your bills? is this legal for tehm to dao this? what can i do to get this money back?

I had financial problems with a pay cut from work and was in jeopardy of being evicted and losing my car. I had to resort to these pay day loans to stay alive and did not realize what I got myself into. They kept hitting my account and I called these people up to ask them to hold off on depositing the checks and to work out another deal..They said no...d They deposited the checks not only un unscheduled deposit days but now NSF's my bank account by over $600.00, I contacted my bank to stop this and the payday loan companies kept changing thier names to resubmit the checks.

Okay, I've received my first response from the letters I sent out... Its from Impact Cash, I haven't paid them anything yet, but they want me to still pay the amount of $260 to "settle", but I only borrowed $200. I can't send them a full $200 now, any suggestions on my response to them? Thanks for all the help, I truly could not get through this mess without the people here... Here's their response: "We are sorry to hear that you are not satisfied with the experience you have had with our company.

I have four payday loans and I would like some assistance with dealing with my payday lenders. My lenders includes cashnetusa; NLS payday; huskhawk; Money & More Money cash advance. I live in Maryland and I have recently closed my bank account. What Should I do next?

I took the hit. I let Sonic Payday take out its last payment. Two payments for 377.00. I am done with them. Next payday, I will put a hard block on my account so that VIP Cash aka QuickLoot will get no more $50 every two weeks. They are going to have to work it out with me. I'm that girl saying "I'm mad as heck and I'm not gonna take it anymore!" The storefront, I've sent my C&D letter to them with a payment that I could afford right now.