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I've been reading on the BB and I just want to make sure I understand. Statute of Limitations in Texas in 4 years from the date of first delinquency or is it the date major delinquency first reported. I had a providian account that has been "purchased" by these "people". On my equifax report, Providian lists the date reported and date of last payment as 07/2004. It lists the date of first delinquency as 11/2003. So which date do I count from. And if the SOL has run out, am I still supposed to send a validation letter? Thanks for your input!

National check cashers has accepted 2 pmts from T & C. I know they don't have to "accept" proposals, however I've not heard from them in sometime and then today they call and say, "we don't take dmp" So I say, well you accepted the pmts and cashed them" she said, "well we won't refuse money, but this has to be paid now.

I want to try to settle my debts on my own, but I don't know where to start. Do I stop making payments, cancel my cards, etc.? I am not sure what to do. I am current at the moment, but by the time all the bills are paid I have very little left before the next pay check. How will this affect my credit history? Can anyone help me with this? Has anyone done this on their own with using a service?

I have become late on CC pmts. They have been calling me endlessly. I won;t answer the phone b/c I know it is them. I don't have any good news for them. The check is not in the mail....... Today, they called me at work. I have no idea how they got the #. I have moved to a new office with a new # that I haven't put on any applications. How do I stop them from calling me at work?

Has anyone filed for Chapter 13 BK with Payday loans included? If so, what happened to the PDL's - did you have to pay back the total amount, was it reduced, was the interest eliminated?

I have an installment loan that is in default with Advance America. I already sent them a certified letter to revoke the wage assignment I signed with them. The office there tells me that is no good, that I have to revoke the assignment AFTER it has been served to my employer. Is that right or legal? Anything i've read or seen doesnt say this. Thanks for the assistance!

I would ike to know how you can find out if the payday loan companies are legal in PA. Also I took advice and closed out my bank account and put a hard ACH block on my old account. My bank said that under no circumstance should I have any problems at all and these companies cannot call the bank anbd ask for any info because they are not authorized to do so.

Hi, I have just received a letter from a CA. I am uncertain as to where this debt originated but it could be from my time living in the UK as I have no debts here in the US. My first question is assuming the debt is valid, do they have any right to demand money from me given that this debt probably originated in a foreign country? My second question is how amenable are companies such as these (I think they have been assigned the debt rather than have bought it) to settlements below the original loan amount. Thanks in advance!

I want to get out of this endless cycle... I know I can do this, but I need help... I am in Ohio... This is what I have: Pay Day Loan Yes: Borrowed $150 Paid $400 500 Fash Cash: Borrowed $400 Paid $650 Web Pay Day: Borrowed: $400 Paid $250 The Cash Spot (American Consumer Credit, LLC): Borrowed: $300 Paid: $112.50 Loan Point (Geneva Roth Ventures): Borrowed: $400 Paid $240 Impact Cash USA Borrowed: 200 Paid 0 Integrity Advance, LLC Borrowed: 500 Paid 0 I'm sorry if I've posted this before, I'm new to this site... Any help would be greatly appreciated...

if i go with debt consolidation program will it effect my credit score.