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Hi Everyone, income challenged. Should I pay my secured debt loans first, ie: Morgt's, auto before CC'S. Which is worse for your credit and or collections. I'm trying to organize my own debt settlement plan this month. What about the State you live in. Is there a site that has info on debt issues/penalties/etc? Any feedback would be greatly appreciated? Thank you.

I had actually posted this in one of the announcement threads at the top, but I don't want it to get lost. So here's a question: Most of the information contained herein refers to 30 days after initial contact by the collector I have 6 remaining items on my credit report that I am not sure what they are. To the best of my knowledge, I have never been contacted by these companies. All of these items have been on my credit for more than a year at this point in time.

I am in debt (aren't we all) but I have a majority of my debts are in collections. I was looking for guidance on what to do... Could someone also explain the verification process and how the 1-2 punch works and what it does. Any information would be greatly appreciated. AL

are they affiliated with MTE, MNE or Northway?

Can someone tell me where do I find a revocation letter to send to the companies to stop them from debiting my account

I have posted to this forum before. I just received a threatening call from a Mr. Travis Walton - representing the LTA department of Cashnminutes for defaulting on a $300 loan. He threatened to file suit against me and was asking for $1400 dollars to square the account. I did something prior that I probably should not have done. I took back 5 extension fees at $132 each for a total $675 by claiming that there unauthorized because I needed the money to pay off other PDL companies and other expenses.

The SOL I would like to know about is on a credit card. I received papers today from Mann Bracken, LLC where that are sueing me for $1, 049.75. The card was originally with Newport News and I called them in 2003 and received a payoff amount of $1,790.00. I paid this on July 3, 2002 and the check cleared my bank on July 17, 2002. What should I do now?

I really want to get out of this cycle. I need help... I currently have 5 internet loans. I live in Ohio. The loans are with: Pay Day Loan Yes- Borrowed $150- Paid $320 500 Fast Cash- Borrowed $400- Paid $480 Web Pay Day- Borrowed $400- Paid $150 The Cash Spot (American Consumer Credit) Borrowed $300- Paid $37.50 Loan Point (Geneva Roth Cap Loan)-Borrowed $400- Paid $120

Sorry if this is coming up in other places, I'm new to this. Can anyone tell me how to find out if a PDL company is legal? I am paying between $400 and $540 every two weeks and I can't get it to stop. Help!!

Let me share with you my recent experience with Langhorne debt solutions ( I did not know about this forum late last year so that is why I hired Langhorne). I live in the State of Indiana and all of my loans were illegal except for the 1st Bank of Delaware one. I think this one might be legal because I applied for the loan online through Check N Go which has a store front in Indiana and also because this is considered a bank loan. I am checking with the Indiana Department of Institutions if this loan is legal or not. I had 16 payday loans totaling an original balance of $7,050.