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Ok on the great side one of my very bad PDLS' is PIF. ON the other hand, due to that check and a couple of smaller items, along with NSF fees, in the past 3 days, my checking account is almost 1100, in the red...Now I do have another checking account with another bank, so I have a couple of questions here. I checked with my bank yesterday when the situation was only so bad, and was told I would have 30 days to bring it back into the black, before it would be closed. Now today, I'm thinking that's not going to happen since I'm up so high now.

I was NEVER billed and was not aware that I was responsible to pay property tax on a car when I lived in CT. I moved very shortly after living there to a new address and set up USPS forwarding. No bills were ever sent to me. Now, almost 15 years later, I received a copy of statements from a CA. What are my rights here? I understand "Fair Debt Collection Practices" etc. but it seems like I have to pay up regardless of their mistakes.

Friends, I'm sure you are just about sick of reading my posts by now...but I'm very sorry. I'm just so confused and I keep changing my mind, talk about doublemindness!! As you know I contacted T & C and was all set to sign up, now the "little devil" on my shoulder is saying "NO" don't do that...I think...I can get 3 loans paid off in June and another in July.

I need advise on how to consolidate pay day loans or lower the payments. I contact several debt consolidation agencies and no one will touch pay day loans. All say they are hard to negotiate with and will not speak to consolidation companies. Has anyone successfully negotiated with payday loan companies?

Can an collection agency refuse payment on a debt that is owed? I offered to pay 50.00 a month and was told they can take no less than 200.00a month. What does the law in Mississippi say about repaying a debt.

Wagatail, I needed some encouraging words....I had a melt down today....Those seem to be happening on a daily basis anymore...The husband came home to find me in tears...Cash Call called, LORD, they are mean.....I had myself in a tizzy! I was working a paper and pen like there was no tomorrow, trying to "figure out" how to get them a payment, so they would just stop calling.

anyone every dealt with them? they are representing LVNV funding...

I'd like to make a reasonable offer but I need to word it correctly. Can you give me a sample letter?

My daughter had a Capital One credit card that was charged off in April, 2004. She was young and unexperienced when she opened the account and misused it. I didn't know about it until recently, when she is trying to purchase a car and pulled her credit report and saw the Capital One entry. The initial credit she had was $300. At the time of the card being charged off, it was up to $768. All of this is listed on her credit report. Now, just last week when we checked her report it showed a balance of $1,369.

Ok guys here it goes. I had my dad co-sign for a vehicle I volyed the car back after two years.. I was unable to pay it. Gmac sold the debt to some company I called them offered them 200.00 dollars a month ..they would not take it. he refused payment. then it got sold to calvary... calvary sent one letter. (i did not respond) now My father recicves a letter form ewing & ewing representing calvary. Its the t attempt to collect the debt letter no legal action has been taken.