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I am dealing with Creditors Financial and before reading about them and doing a little homework I have agreed to pay them $923. I offered $300 then $750 (even though that was a little much) but they declined my offer and said if we didn't pay at least $923 that we would be sued! Not knowing anything about the company OR about what they can and can't do I agreed to pay them money. I authorized payment for this Thursday, 7/31.

Hi, I am starting another thread as I need your help badly! I was ready to send my C&D letter to PLS. They advised me that no EPP is available to me as I have a Smart loan as opposed to a PLRA loan? I've never heard of these things. They said I can get back on my payment plan if I bring in the interest by end of week which is $352.93. I don't know what to do... Has anyone ever heard of Smart Loans or PLRA or whatever loans? Please respond asap as I am in dire straights! Thank you, :!:

I just received a call from Christy and she said an old Sears debt of my husbands had been turned over to her and it was a "prelegal account". I asked her what that meant and she said they were just before legal action and these folks meant business, they could and would place a lien on my property, garnish my wages, etc. I told her I had no money to pay anything and she told me that she represented LV Funding. I told her I had gotten other calls and had sent validation letter with no response. She said the validation was my credit report to check it and I would see the validation.

Hi all, I am married, a mother of 2 young one's and essentially a stay at home mom. But last year I started a business which is starting to be profitable and I am now contributing to monthly bills. Anyway, my husband and I have basically kept our debt seperate (which is fine with me) I am an owner on our home but not on the mortgage, (also fine, it was the right thing to do with one income and 2 sets of debt). So I have accumulated $30,000 in CC debt over 5-6 years. I always pay at least the min payment and try to pay extra.

Ok, here goes ... its quite a mess... My girlfriend of a year has ~$27k of cc debt. The credit card is in her fathers name. The majority of the charges came from her divorce last year, some have been since then because of financial problems / economy (loss of job) etc but thats another story. I've talked to her many times about what we could do and what the options are. Her dad on the other hand, is not much of a listener nor a person that desires help. His way of fixing the problem was to get a lower intrest card and transfer half the ballance...

Has anyone been successful in getting Amex added to a dmp? I spoke with a company last week who told me Amex wouldn't work with DMP's at all. I have also read that Amex has it's own DMP program. Has anyone used it or know about it? My account is current (although over lime) until next week when my payment is due. I can't make the payment at this time and am really looking for help. I would rather not default or settle but may have no choice. I did send Amex certified letter last week using the ideas from the sample letters on this site.

I just got off the phone with PLS Payday Loan Store. When I asked them about an EPP, they told me that I am not eligible for it as I have a SMART loan as opposed toa PRLA loan? What? They said we will be garnishing your wages per the Wage Assignment. I told her that has been revoked via mail and my company will not accept. Mind you this is a storefront in IL. She advised me that I can come back in and get back on the payment plan by end of week. Now I am really confused as to what to do! :( Help!

Here is what I asked for: What I need you to provide as the debt validation is as follows: 1. What the money you say I owe is for; 2. Explain and show me how you calculated what you say I owe; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe; 4. Provide a verification or copy of any judgment if applicable; 5. Identify the original creditor; 6. Prove the Statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 8. Provide me with your license numbers and Registered Agent 9.

I got back from vacation today and there were several vocemails from ATG Credit on my phone. My phone does not state who the message is being left to, so they do not know who they are calling. This is the message: Can they leave a message like this?

Hello Good People, Thank you so much for all the helpful info you've provided so far. This has been a rough weekend for me mentally (I suffer from acute anxiety to begin with) and I'm wondering if you can advise me what's going to happen next? Bank account has been closed-cannot be forced open. Direct deposits are going into the new account. The employer has stated they will not grant voluntary wage assessments-they will only garnish if they have a court order with a case number (to put into the computer).