I have been working with the hardship programs with Discover Citi Bank and Capital One. They all have set me up with affordable payments and discover Card and one of my two Capital One accounts are current now. CitiBank was hard and insisted the back money be paid so i set up 5 $195 payment to bring me current and for my other capital on I am paying $50 above the min payment to catch up with the $650 i am behind. My question is how are the people getting 0% and additional fees Whenever I bring lowering the rate they all tell me thats not possible.

I need someone that will help consolidate my debt of uner $10,000 - can someone advise me of who can assist??? Cheers Syl

:lol:I want to thank all of you for the help you have given me regards to my illegal payday loans. While I am not out of the woods yet from my legitimate credit card debts, I am working with the credit card companies to help me catch up with these payments. I also do have one legitimate pay day loan with Advance America which is licenced in my state. They have set up a reasonable payment plan in accordance with Washington State laws that I can actually work with and I feel is fair.

To make a long story short, I had a Target credit card, maxed it out, and was making the minimum monthly payment (which was getting me nowhere, but was at least making them). I moved out of state and took an extreme pay cut, and eventually stopped making any payments at all. For a couple of years I had gotten phone call after phone call, as did most members of my family. I ignored them all. I started receiving letters from a debt collection agency with an option to pay off the debt at a reduced figure. Stupidly, I threw them away, just hoping they would "forget" about me.

I graduated in 2008 and I have been paying every month on Keybank and ACS, both private loans. I even paid a large chunk of 10,000 to ACS last year yet ACS continues to harrass my co-signer every time I am late on a payment. I do pay every month and have not missed once. Yes I will admit i am late sometimes, maybe a few days and my co-signer will get phone calls and letters from ACS. He is tired. As for Key Bank, my loan was sold to them. My original loan I had said I was able to get my co-signer off as long as I pay for 2 years.

I got into some trouble with some illegal pay day loans and ended up with fees and having to change my bank account. Due to this I am past due on my credit cards. I have a total of five credit cards and will be paying off two and closing the accounts. The other three I am going to keep which are a Capital One Visa card, a Best Buy store card and a Care Credit card for dental expenses.

Hi everyone, I sent my version of the letter asking each payday lender about my account, the validity of their business, legality of doing business with me in Wyoming, etc. I got several responses, one of which was Vincent, which just called it good and cleared my account. But, Cash Call has sent me a fairly nasty letter telling me all this garbage about doing business with a Native-American business and given me until the 16th of this month to set up a payment plan that will start in January. They also have refused to communicate via email.

What does it mean when I log onto my account w/ United cash loans and it says to contact the compliance department? So I emailed about 6 times yesterday and called three times today. I spoke with them and they said that my account is with the legal or compliance department and that they would be contacting me. I don't expect them to contact me, because I have already notified them via email that I revoked ACH. Do you think that they will try to debit?

hello Back on Dec 2009 - I had a settlement with Citimortgage and in the contract it stated when I pay the amount it will read as paid / settled for less then full amount. I paid the debt and settled with them in Dec 18, 2009. To this date Nov 6 2012 it still says charge off on my credit report. I have called 4 times and have written letters. Today I called and the customer service agent said she was going to let underwriting know. You cannot know how much this has effected my bills. This is a 70,000 charge off that have been on my report for 3 years and I settled it.

Need help in Ohio. I have been talking to a couple of you. I need to make sure if I proceed with this I am not digging a bigger hole for myself. I have a loan with Western Sky which sold that to Cash Call. Another one with Plain Green and Cashnetusa. Cashnetusa is screwing me the most. My loan is 1800 bucks but I had to extend that so I am being charged 460 every two weeks. that 460 is not even going to my principal. If I follow the instructions to contact my bank and stop all ACH and send them a letter about being illegal and only paying what I owe.