Search forum

Also, can anyone point to a website with a debt settlement timeline......when to send out first letters, etc.

So, my husband and I both receive direct deposit to our checking accounts with Wells Fargo, a bank we will be trying to settle our credit cards with. Do you recommend that we open a checkings account with another bank so that Wells Fargo does not have a record of how much money we are receiving? or does that not really matter?

After 6 months of not hearing a response from Cash Transfer Centers, I received a collection notice from Valentine & Kebartas, Inc regarding Ecare Contact Centers. So I am sending a debit validation letter to Valentine & Kebartas but was wondering if I need to send anything to CTC/ Ecare? Thanks! Kate

so.......my husband and I talked more in depth about debt settlement today. It sounds like we are def. going to do it. A few questions arose though. 1) if we are already behind on payments (capital one is almost 2 months late) do we pretty much have to start paying our bills immediately to make this work?

I paid them $500 in fees on a $500 loan and after sending them revoke, C&D letters etc... last month they just called today. I want some ammo before I call them back. Any advice? thanks!

Some Payday loan company left me a voicemail threatening that they could garnish 40% of my pay and yadayada. Now i know it's not that simple, but i am a little unsure of how garnishment works 1) I live in Pa, which i'm pretty sure doesn't allow garnishment save for taxes, child support, federal loans. Although my work's corporate office is in Georgia. So which state applies for garnishment laws? Or is it the state of this PDL company 2) Even if they could garnish, it's not a simple matter right.

I sent an email to a PDL co. after sending them a fax revoking their rights to debit my account. They responded to my fax with an email stating they were still going to debit my account. I tried to email them back and they blocked me from sending them emails. I also put in the fax that they can only contact me thru email and I still got 2 phone calls from them. Help

I am in Minnesota, and CashNet USA is not licensed in my state. I have actually lowered my fees through them by being a "preffered member." Ahhh, the perks!! :lol: Rather than rolling over an existing loan, they call each "rollover" a "new loan." I belive Minnesota states that you may not use a new loan to pay off an old one. I have paid off a few loans through them in the last year, and then obtained new ones, along with many "rollovers." Does it sounds like I should shoot for a refund since they are unlicensed in MN, or am I screwed since each "rollover" is shown as a new loan?

What is the address and phone number for your local Detroit office??

I live in MA and I know these online loans are illegal but what do I do next. I have finally figured out what i have paid, this is insane! How could i be so dumb! I still really need advice. I did close my accounts and they can not be reopened under any circumstance. I sent a letter that was posted on this site to Loan Point & Sandpoint (Clearwater) with no response. Clearwater did respond about Nevis ruling the laws but i told them no MA laws prevail. No answer. The debits would go through tomorrow but that won't happen, when will they start to call and what do i say.