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Hi everyone, I'm Rob. I thought I had hit rock bottom 2 years ago when my credit score was about 580. Boy was I wrong. Recently I have become trapped in a payday loan nightmare, and it caught up to me last month. I went to 7 store front payday loan establishments and racked up $4600.00 total in payday loan debt. I went to one, then the next and so on to keep up on my money. I blew several chances at catching up. I got a $8000.00 settlement and blew right through it without paying anything off. What happened to the money? I don't know.

I signed up on this site and got reccommended to try Superior debt relief, then I start reading and find many negative comments about them. Seems that all the companies have bad and good, so now I am really confused. One mentioned that sounded pretty good was sfixpert or something like that, but I don't know who that is. Can anyone clear that up for me? Also has anyone ever heard of a new one that is linked to the Allegro Law Firm? They sent me papers that had Allegro Law Firm LLC all over them with locations in Alabama and New York? the more I read the more confused I am becoming.

Hello all I recently found this website and I have to command everyone on how good of a resourse it is. I have my own debt issues that I would like to resolve but have some questions about. I am looking at $130k of unsecured credit card. I have yet to have a late payment/missed payment in 10 years of carrying this debt (it ballooned to this, never was this high). I am trying to decide between credit counseling vs. debt settlement vs. bankruptcy. Under all three plans I will get on some payment plan and eventually settle/payoff the debts.

I can't remember where I read this, but I found this information somewhere in this forum. It was about collection agencies continuing to charge the same interest rates as the original creditor after they acquired the debt. A member [here] stated that a collection agency has to be licensed and audited as a sales finance agency. If they aren't regarded as a lender by your State DFI, and they are merely a collection agency, then they cannot charge interest. Does anyone know if this is true or not, and where I might search for information pertaining to this?

ive never had a bounced check until recently,a PDL store caused my account to OD,,,would that put me on chex?

Does anyone know if these guys are real attorneys? How can I find out if they are registered and licensed to practice in Texas, Arkansas, and Tennessee? I've been hearing some horrible stories about them. Some say they have received summons by them but they don't show up to court. I received a citation from them requesting an answer from me. They are filing a law suit against me saying that I have an outstanding debt with Citibank and thye claim the account is not out of statue of limitations. They claim my last activity was on May 12, 2005 which is false but I have no way to prove it.

Received two cell phone calls from the following number: 432-332-3939 Wondering if anyone has any information on this number. The only thing I was able to find indicates that it's from Odessa, TX. Information appreciated. Thanks. Keith

I have 12 payday loans that most I have already paid more than the principa. and a few that i still owe a few dollars on. I live in MN can you help me with getting some sample letters to revoke the ACH authorization, HELP!!!

I have six total Payday Loans totaling about $3000. I changed my bank account and decided to hire Langhorne. These companies are not only calling and emailing me but are now calling the two people I used as references when I got the loans telling them I owe them money and they need to get in touch with me. What am I supposed to do? Langhorne won't talk to them till four business days after my payment to make sure it clears.

I am sorry for starting another topic, I did an investigation on a debt collector on my credit report. That was on 01/23/08. They completed the investigation on 02/21/08. In January it had a date of delinquency of 5/2006. When the investigation was complete, the date changed to 01/1999. On March 23rd, I got a small claims summons on this very debt. I called Trans-Union and they said the date of delinquency shows 05/2006 again. Can the debt collector change the date to RE-AGE the debt? If they did, is that a major violation?