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I have two medical debts, one for $1300 and one for $400. I broke my wrist in December and have no insurance. Because of my injury, my income has suffered (didn't make that much to begin with). I am presently receiving food stamps and have applied for disability. The $1300 one wants $110 a month, I can only afford $25. The $400 one wants $50 a month, I can only afford $10. The bill was $450 and I've already sent them two payments of $25, but that much is really strapping me.

If a lawsuit is won by the creditor, and you have no job, can the creditor take money from your private(not job related)retirement account? Can you make payments to pay off the judgement? If you are gifted money-inheiritance, or win money in a lawsuit, or win the lottery, Then put this money into a retirement account, can a creditor garnish the account?

Hi I live in PA and have 2 PDL loans one to CASHNET and one to CASH Central. I have a hard hold on my account and need to know what to do next.

ok i have 3 storefront loans down from 5. fastcash said that if it was not pd. by today they would prosecute. what can they do. seek judgement & garnish. or can it be worse. i live in ohio.

I am trying to clean up my credit. Due to hard financial times a few years back, a lot of accounts got sold to various collections and debt collectors. Got my credit report, and notice an entry on my CR for Capital One. Honestly, I do not recall having a Capital One card. Sent Capital One a DV. Letter had my name, current address (I had moved within the past year), and account number, as it was listed on my CR...wasn't the full number though (that's how Trans Union had it).

Would the experts/experienced mind commenting on these letters? ---------------- VERSION I: Lender not licensed and they owe me money. Dear Payday Loan Lender, This letter is a proposal for settlement of my payday loan account with “paydayloan company”. My loan number is 00000000.

Thanks to everyone's advice and assistance I have learned so much in the past year. I remember last year at this time stumbling on this site wanting another pdl to get me through another month with no money when I found this place, for the grace of god. Thanks to everyone out there you have provided very valuable information to myself and others. :hug:

Part II of my nightmare with Borack and Associates. As you may recal from my previous post we received a letter in the mail a year after being served by TriCap Investment when they purchsed all of our accounts that we tried to have put through our bankruptcy. The bankruptcy was dismissed and we did not hear anything from the creditors until last year (Feb. 07) that we got served by this TriCap Investment when they purchased all of our accounts. We immediately filed a Motion with intent to defent and requested from the plaintiff all of the originaldocuments, signatures, fees, etc.

Since many of us on the board have used, or would like to use the ACH processors, would it be possible to have a running list of who processes for who? We could add to it as we become aware of the facts and it would be much easier for those who would like to add that route to the mix of resolving their PDL issues. I know that ameriloan and USFastCash uses Intercept EFT (1-800)378-3328, ask for Cindy) and MyCashNow and PayDayMax uses ACHC (1-800-724-8780). Gail Sauter is another option that is affiliated with ACHC. She can be reached at (888-718-6767 or Direct: 702-655-7595).

I posted on another thread here about Rubin and Rothman summons. The summons is real because I called the court to find out. My question is, there are 2 dates on the summons. One date says May 14th, and the other date says May 21st filed. It says I have 20 days to answer. What date do I go by? Also, I called them up to try and negotiate with them, they transferred me to someone who wans't there, I left a message, they called me back yesterday but didn't leave a message. Anyway, I just want to know from what date do I count the 20 days.