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Webpayday, $500 (I've paid $300) United Cash Loans, $450 (I've paid $725) ameriloan, $500 (I've paid $1310) US Fast Cash, $300 (I've paid $270) Cash Net USA, $300 (I've paid $0) This is an excellent forum and reading through some of the posts has given me strength! I live in RI. I defaulted on these loans by stopping my direct deposit, and I made payment arrangements by giving them my debit card information. I smartened up and simply closed my account, so they cannot get anything at this time. Any advice is appreciated! You guys are great.

Ok so I know yesterday I asked about doing this myself, but after another talk with my husband last night, we have decided to go with T & C. We figure it would look better if we are making an effort rather than doing one at a time and leaving some without anything during that process. I talked to T & C this morning again to clear up some questions.

I just eliminated a BCR entry of $237 from T-mobile on my credit report. Anyone heard of "Law Firm of Basin & Jordan" 888-840-8681 Nitwit called me last night left his number. When I call it the message machine says you have called 888-840-8641. Something is telling me that this is not a law firm. . .

well let me start by asking HAS ANYONE EVER USED THE DEBT ADVOCACY CENTER? i am in trouble with my mortgage two payment behind. i have fremont investment who has really done me wrong. NOW last week i got a letter form them stating that they would no longer be servicing my loan it would be LITTON LOAN. i went on line and there are nothing but horror stories about immediate foreclosure!! i am terrified of what will happen. i will be bald with grey eyebrows before this is over and i am a woman.

I defaulted payment on some credit cards about 6 years ago after I lost a job (maybe 20,000 dollars total). The debt has long since been charged off and has been in the hands of junk debt buyers for about 5 years (MCM, Asset Acceptance, ER Solutions). I've never requested validation and have ignored all calls and letters. No legal action has been initiated against me. I'm now in a position that I probably could start repaying the debt and probably would if it was in the hands of the original creditor. I feel no moral obligation to pay the bottom feeder collectors anything though.

Despite having parents who are by all accounts financial geniuses, I have always been rather lousy with money. During college, I wracked up $2,500 in credit card debt which was a LOT for me at the time. To blame was a gambling addiction which I have since kicked. I made good on the $2,500. However, I wasn't able to kick my bad financial habits. I dropped out of college in 2005, and this is where things REALLY got fun.

I have personnel loans of Rs. 2 Lakhs paying total EMI 5000/-. Credit cards total dues Rs. 1,60,000 every month paying MAD amount. Kindly suggest a consolidated loan at least to clear my credit card dues.

My husband has a foreclosure on his account. We were trying to find out the date that the house went into foreclosure and I called the mortgage company. They indicated that they could not find my husband's account by the account number, his social security or the address of the location. They then told me to try their mitigation department. Same thing. They couldn't find his account by the 3 different methods (address, social or account #). I am tempted to dispute this on my husband's credit report. Any suggestions?

Hi can anyone tell me if PaydayOne is considered a installment loan in Illinois? If so do they not have to follow the payday loan laws of Illinois? I read somewhere if you charge over 36% interest in Illinois you are considered a Payday. They are charging me $406 every month for my $1000 borrowed

I just received a summons from Rubin and rothman to appear in court within 20 days, they are representing Midland Funding for an old Spiegal account. I don't know what to do and I am very scared. I am involved now witha debt consolidation program but they told me they can't do anything till they start contacting the creditors, I just enrolled. I know I owe on this account and I even called up Midland Funding and they couldn't help me, they just gave me the number for R &R. Is there any way of getting out of this or can I contact R & R. Please help.