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Does a debt management program hurt your credit score?

Latin for "to a willing person, no injury is done." This doctrine holds that a person who knowingly and willingly puts himself in a dangerous situation cannot sue for any resulting injuries. Anyone ever try to use this as a defense against a debt collector? What about comparative negligence and unjust enrichment: A legal doctrine stating that if a person receives money or other property through no effort of his own, at the expense of another, the recipient should return the property to the rightful owner, even if the property was not obtained illegally.

do you or do you know of a company that can help me out of these payday loans

These people have contacted me regarding a credit card that I have. I have signed up with a debt settlement company and making payments with them. The people at Mann Bracken scared me to death, telling me that they were going to sue me, garnish my wages and do whatever to collect the debt I owe. I explained that I was in a debt settlement company and making payments to them. The lady I talked with said that they did deal with them. I have settled one credit card and made a payment arrangement thru arbitration with another one. I don't want a summons.

Does anyone know if PDL's are legal in New York State or not? I have several and don't know what to do...they are taking my entire paycheck and it is killing me.... I am in financial ruins because of them. HELP!!!

i am a bit confused, first of all these MTE companies you refer to. what does that mean when they are illegal? i will go ahead and put this out there too. here is my PDL status United Cash Loans Oneclick Cash EZ Payday Fastwire Payday One Cashnet Paycheck today Payday yes Cash Central Discount Loans I am done, i am starting to look for ways to pay these places off, without getting in trouble. Could anyone tell me how to do that?? I live in Wisconsin. I have paid these places thousands.

I am needing something cleared up once for all. If the creditor is willing to accept payments from you, but the Collection Agency does not want to work with you due to consolidating your debt and not recieving the amts they want, why would they (Collection Agency) have the right to sue for a debt that you are already paying to Original creditor? That doesn't make sense? :?

I live in Maryland and took out over a period of time 4 PDL's and 2 PDL's appeared after years ago that I took out a PDL and are trying to collect (I suppose because it's "tax refund season"). I came across this site and saw all the templates and advice you guys offered and tried to get my life back. Unfortunately they won't stop calling me or sending me emails saying they will send my "delinquent" account to Teletrack.

Wondering if anyone can help me understand. I have a wage garnishment attached to my check. I do remember seeing some court papers in the mail but can't seem to find them. Anywho, the marshall's sent a notice to my job and they began deducting money. I went onto the local court website to look up the case file to get more info and i was unable to find any of it. I'm trying to get my garnishment lowered because my other bills are suffereing and i do not want to find myself in a whole. Someone please help with advice... thanks much Neequa

I am new to this game...I read something about a states statutes of limitations on debt...I live in TN and the limit is 6 years...I recently looked at our credit report and dont really know how to read everything....from what date according to the report do i apply the states statute?