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Aside from the information posted in this forum about revoking authorization, there is a way to stop PDLs without having to deal with them. Every PDL uses an ACH Processor, the entity that actually sends their credit and debit files at the end of the day. The processor can be found be contacting your bank about a previous ACH and simply asking them where it came from. This is different from the obvious "who" it came from. They will be able to identify the institution that sent the file your ACH was included in.

Does anyone know what the average fee is for using a debt settlement service? So far I have 15 & 16% of my total debt. A couple of companies want their money upfront and the other two I talked with will spread the payments out over several months. I have no way of knowing if they are honest, do what they say or are scamming me. Any tips would be appreciated.

Hello my name is Amanda, I’m 25 and live in Michigan...It all started when I turned 18, I was approved for my first credit card from Discover and they gave me a credit limit of $1000.00. My parents were furious that they gave such a high limit to such a young person and they tried talking me into closing it, unfortunately I did not listen instead I went on a shopping spree. I started getting more credit cards and by the time I realized it I had 11 yes 11 credit cards and I was only 18.

i have about 90k in unsecured dept,i talked to rise above there plan is 13%charge of dept,payments of about $1,100 a month..i appreciate any opinions

This is sorta good news, so I thought I would share. I recently posted about how I was in the process of a divorce and such. Well, my divorce is still underway, and I recently moved out of my house into an apartment. I thought that my credit would be kinda, for lack of other words, crappy and I would have a security deposit due to that. Well, my security deposit was actually the lowest! My apartment complex supervisor said that it must be pretty good because they are usually pretty strict about their credit and the deposits.

Does anyone have any experience with an honest debt settlement company. I am overwhelmed trying to figure out which is the best one to use. Maybe I don't even need one and can do it myself. HELP! I need to get my debt under control. Mary

did me in. I had started in a downward spiral of debt with raising my son by myself with medical bills, credit cards, loans and eventually had to file bankruptcy. I thought wow now I can start all over again, because I make descent money. I was wrong. I started to re-establish my credit but with such high interest rates. I needed to get a new truck for my line of work, because I travel frequently and was hit with interest at 14.99% making my monthly payments $700 because I had to take a lose on my trade in that I still owed a balance, but it was breaking down.

Vikas - Would it be possible to put back on the main forum page the lists of MODS for each forum? I find that useful when I see spam somewhere, I can look and see who MODS that forum and who is online at the time to send a pm to. I think it's helpful.

Has anyone heard of the AIS Collection Agency? Arrowhead Financial sent me an email telling me that they turned my account over to this agency and left an 800 number. The email was short and sweet. I just wondered if they were going to hound me. ALso, does anyone know if Arrowhead is legal?

Anyone heard of them?? Saying that they are getting ready to take me to court! For judgement