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After sending 2 validation letters, the CA came back to me with an offer in writing. The CA still hasn’t validated the debt! The CA is making a 70% discount offer to me which supposedly expires at the end of the month. The letter also states the following: “In addition to your savings of $xxxx, you can also receive the following benefits: a) A zero balance on your account with us. b) A paid account letter. What should I do next? Sue them? The CA clearly is incapable of validating the debt but keeps trying to collect without validation.

Hello all, I thank God that I came across this site! I currently have 8 PDL's and I just want to get out of this mess for good! Here is the breakdown: Storefront 1. Ace Cash Express: $600; Paid: $0 (new loan; just paid off previous loan and got another-really needed money) 2. Z Cash: $400; Paid: over $1000!!

i just had a question, i have a debt with a mall because i used to lease them a space, i\'m already sued , will i go to jail if the judge orders me to pay and i dont.

Information for all of you dealing with these low life criminals................ Check Administration Services, also known as Dept. of Check Administration.(to sound scary on the phone) I got their address from the New York Secretary of State office. It is 167 Ashland Avenue, Buffalo, New York, 14222. This is a residential neighborhood. Not sure if they operate out of their basement, or if this is just a fake(front) address. GoogleMap it and you will see. The phone number they use is 1-888-412-1850. They have only been around since March.

i read that if you paid any of your creditors 90 days before filing that your case would be dismissed! Is that true? I have been trying to pay through a debt consolidation company and also through a settlement agreement, which I cannot afford to do anymore, can I still file?

I wanted to know if you list all creditors on chapter 7, even collection agencies? And do you list CAs that appear on your CR, but you don't know what they are for

I also have many payday loans and am getting the calls. I did stop payments on them right away, but now they are threatening with garnishment. I have the following loans: United cash loans: fastcash911 multiloansource myquickloan payday yes. I live in Michigan.

Who is this Susan White that is responding to people's posts? Who ever it is isn't providing very good information seems to me they are advertising loans :twisted:

Sorry guys, I hope I didn't post this twice! I thought maybe I should start a new thread since I basically thought my fight with them was over. Okay, I thought I was out of this. I got an email from I-Collect saying there would be no further collection activity. I have not had a call since last Thursday until tonight. I didn't answer but when I tried the number back the guy answered "Restitution Services." What do I do now????? I have one more outstanding payday loan out there that I have only paid half on. I have repeatedly tried to call them but they never call me back. It is MTE.

Hello, I hope that I am posting this question in the correct place: About 9 years ago, my husband went to court over a debt that he owed (car repo). A judge ruled on the amount that he owed and gave a $ amount that he was to pay each month to a law firm. For the past 8 1/2 years we have been paying each and every month. We just received a letter from another law firm that said that they are now handling the debt, and they want their $. The letter states that the other firm is no longer authorized to act on behalf of the company that we owe the money to. My questions are: 1.