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It may be a silly question, but do you go by the state laws were you live, I live in Illinois, or do you go by the state where my internet loans are based out of?

When it comes to a credit card, I'm curious to know, who is actually "the original creditor? For example, Providian is backed by Citi Bank (I think), but when you sign up for a credit card with Providian, and receive and make payments to Providian, wouldn't that make them the original creditor? Yet, if you default, and they turn it over to collections, the statement has Citi Bank listed as the original creditor. I am just trying to understand how this works. Anyone who may have some input I would appreciate it! Thanks!

I have a simple question. I had an injury in 2000 and was labeled "Permanently and Totally Disabled" by my doctors in 2004 as a result. Consequently, I am now considered "Disabled" under state guidelines (I was a state employee and now receive full disability benefits) and the Social Security Administration (I now receive full disability benefits). I had student loans which I had been making regular, timely payments to when I was disabled. I filed the proper paperwork for the discharge as allowed for Stafford Loans.

Has anyone ever been contacted by them .. They started calling me 04/01/08 I know they are a junk collection agency.. I have not gotten anything in writing yet so do not know anything about them I traced the # they left to who they were ...

Well, I just spoke to PaydayMax (actually Credit Protection Depot at the 866-645-1661 number). I got an email when their last payment (March 31st) didn't go through, because I'd put a stop on it.

Hi. I sent this collection agency a letter requesting confirmation/validation of debt for two previous PDLs. I know that I accept that I did do the one from Instant Loan Today and in the letter advised NCA of a payment schedule. The other loan Faxing Payday Loan is one that I do not remember receiving and have no information on this money ever being deposited or my ever applying for this PDL. I obtained a response on my answering machine last evening regarding this letter and they stated that they would not deal with me via letter or email only on the phone.

I am trying to do a settlement to pay off my loan with has been in default or more than a year with HFC and they have sued me. I am tying to get a 35 to 40% lump sump settlement but they are so difficult to work with. Does anyone have any success stories dealing with them. Please do let me know ..Thank you

I found this board yesterday and I was so inspired by all of the great information given here. I have four payday loans as of right now. I decided to call Speedypayday.com because I have been paying on that loan forever. I called customer service and they passed me over to Leo. I told Leo that I had paid 2100.00 on a 500.00 loan and I wanted my loan settled. He said that he could do that for me. Then I told him I wanted 500.00 back. He said he works for reasonable people and he would call me back within an hour.

Hi,I'm from indonesia.can i have this loan if i lived in indonesia?

i've searched through the posts and can't quite can't get a sense of what companies are legal and others not... here's my loans... oneclickcash - 300/paid 600+ unitedcashloans - 300/paid 600+ paydayservices - 400/paid 500+ payday2go - 300/paid 350+ loanpointusa 300/paid 500+ the loan shop 300/paid 360+ flashloans 300/paid 180 astrolending 255/ paid 75 i'm so glad i found you guys, thanks a lot. With a recent foreclosure of my home, I'm gonna have to watch where my money goes so I can save up and move. So what companies am I legally binded to? And which ones can I send letters to?