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I mis-spelled his name, I thought it was "cc" but it was "zz".

I got a call from a law office that bought my account and they want me to pay the balance in full right away. When I told them I couldn't they told me to ask to borrow the money or go to Citifinancial to get the money. Ok, so now take out another loan because I can afford to pay them and put my credit in the toilet a bit more. I live in PA, can they sue me and if they can what will happen???????

My daughter is almost 22 and no longer lives with me, but I found out last year that she was 25000 in debt after leaving home for 2 years. She is working but continually uses credit card offers and run them up. My son the spy told me she goes into the mall and goes nuts and spends spends , she's blames me for this debt, not herself or her boyfriend or herself.We barely communicate anymore.

It appears from another thread on this board that Pay Day Max is illegal in Texas. I have a loan with them for $600. I have not paid them anything yet. If they are illegal in Texas, what exactly does that mean to me? It seems I would owe them at least the $600 borrowed. What should my next step be? I had intended on signing up with Town and Country and including this Pay Day Max loan on the plan, but if there is another alternative, I'd like to hear about it. Thanks for any responses.

Please remove my profile and question from your board. I received a death threat online and need to have any personal information about me removed.

well just when I thought I was on the right track with all of this. I found out that after closing the account and being assured from the associate that it was definitely closed and nothing would be paid. They paid Cash Transfer Centers. I am now overdrawn 1000 with them. I have no idea what i am supposed to do now. Anyone been through this?

NCO called this morning about my husbands JC Penny card, which we have placed with T &C, but my question is isn't NCO a collection agency? Does that mean GE is not handling the account anymore???

does debt consolidation have a negative impact on your credit

i am so glad I found this website and this forum!! I need help, and I would like to do this myself to save money instead of hiring someone else. Here is my info: *List the companies you have the loans with and whether it is a store front operation or an internet operation.

My company has found that trying to collect by letters and phone calls is maybe 10% as efficient as confronting the debtor in person. I travel to different areas and personally help debtors to open their wallets. People try to hide behind "validation," but when I get in their face and ask them, "what are you going to do to pay your debt," that validation bravado gives way to a sheepish, "here's the money I owe."