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Hello. Can anyone please tell me who the ach processors are for the following payday lenders? :) PaydayMax PaydayDepot Cash in a Wink Payday-loan-yes Fast-cash-advance Myloansusa.com Paydayloan.com

I know it stops judgements, but can it stop a stipulation agreement you entered into with a creditor.

OK - So I settled with these idiots a couple months ago for the remaining principal that I owed. When I payed them the agreed upon amount, I was supposed to get a PIF letter as part of the agreement. I was also supposed to get something in writing that they would not report me to any third parties. Then, I found out that Sonja at ESL authorized an ACH debit to my account for several hundred dollars after I had payed the agreed amount via moneygram. They said they didn't get my payment and she authorized it.

Well, I'm getting to being in my debt management plan now for one year. Its been great. I have seen my debt go down, about 3 months after I started the program both of my creditors in the plan sent me nice letters thanking me for entering into the plan and what I can expect on their end now I'm in the plan. Its been hard, I've skipped a few lunches, had to sell a few things...but I was stupid enough to accumulate the debt in the first place, I should suffer a little to get out of it.

I have no sad tale to tell. Just that I was young & stupid. I thought that being late wouldn't hurt, I thought that ignoring the debt wouldn't hurt...I was wrong. Now I'm in big debt, getting calls daily, I have no "fun" money-everything goes to my creditors.

Where is the best place to apply for loan with no closing costs for debt consolidation?

I have a Citibank Mastercard that 146 days past due. The total balance is $2278.9. The minimum amount due 7/11 is $1,189.79. For the past year I've been paying them $60 a month. They keep calling but I don't answer. Today my husband got a hang up call from "Unavailable" which Citibank calls from (I only know this because I mistakenly answered once the "unavailable" but got scared & said I wasn't available). I don't want my husband to find out about this debt.

I used to have two entrys on my CR for NextCard and NextCard/Mastertrust and since I settled with the Collection Agency that was handling this bankrupt company they updated my report by.......... completely omitting it. I settled for between 50-60% and they still removed it completely. Without me asking either! Obviously, I need to watch my CR's closely to see if it pops up again. It's been off for about a month. Anyone else dealt with NextCard, well I guess that's impossible since they don't exist anymore. What about Platinum Recovery Solutions?

As I have been reading, I am not the only one out there with payday loans. After serious medical injury with my oldest and $ woes, I fell in the the trap of payday loans. I am in Ohio and have been on this website reading and reading and reading.

I had a truck loan with Ford Credit and the monthly payment was $367. I paid the loan off in full back in mid-2005. Funny thing is.... TransUnion still shows this account OPEN and showing a payment of $367! Obviously, I called Ford Credit and they said they're going to update the 3rd and final Bureau ASAP and send out another Paid In Full Letter to me in the mail. Anyone else out there have something like this on their Credit Report? I'm amazed at how hard it is for Creditors to report to all three agencies correctly. Must be difficult! :roll: