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i got laid off in july 2007, couldnt find a job that paid well, ended up doing a voluntary repo because the finance company wouldnt work with me, now they say i owe them $10,000.00! they call everyday, along with other collectors! i moved 1400 miles away from home and my daughter to try to get back on my feet, but the economy is so bad, its just not happening! i was getting 40hrs a week, now im luck to get 30! its amazing to me that these debt collectors ignore the current state of our economy and hound us for money we dont have! what should i do? should i file bankruptcy?

-------------------------------------------------------------------------------- OK, just wanted to give a short update on Kyle. He is doing well, except he does not know what to do with himself now that he has some free time. He says he has been going to the gym and working out some and checking out the base. He did tell me that he fell asleep once in class and had to stand in the back of the room for the rest of the class, but he wasn't the only one. He said he was so tired that it just happened, but he says he feels better now that he has had more sleep.

im short on cash. and well i just am wondering on check n go. i can pay the loan FULL no problem next payperiod. i want to go in the store and possibly get a small loan. the thing is, its a legal company correct? if i have had problems in the past with ILLEGAL companies in which i am fighting against currently, is there some way the old companies will get a hold of my information from check n go? can check n go see my current disputes against the illegal PDLs? let me know ! i need the money til next payday!

My husband and I currently have 8 PDL's outstanding since 3-21-08. That is when we stopped depositing money into our account. Our bank will not help us in any way.

My story is similar to many people on here. I started getting into debt in college, with those so-easy-to-get student credit cards. Before I knew it, I had $7,000 in credit. And then I had $7,000 in debt, and no income to pay it off with. And then I had a credit report full of collections and charge-offs and other black marks. Not to mention almost $100,000 in student loans. It didn't get better when I entered the working world. I managed to get a couple of high-interest "bad credit" cards, and got into trouble, and charge-offs, etc.

Got an email from Star Advance today regarding my PDL with them. How stupid do they think I am. It went on and on about what I good customer I was and if I wanted to remain in good standing (for future loans) they were "offering" me 4 different payment plans which ranged from $460.60 to $645.07 on a $400 loan to which I have already paid $106.80. They were kind enough to break in down into "principal" and "fees" which indicates just how much of a rip off they really are. I can pay this over an 8 weeks period to "help" me out with my finances.

I stopped paying on a Home Depot (Citibank) card that I had. I didn't pay for about 8 months. I then contacted them to make some type of payment arrangement. The account was then with Redline and they accepted me paying $50/month. I did that for a little over a year and then I noticed that one of the post dated checks wasn't cashed. They told me my account had been moved to another agency (ARS National. I contacted ARS to set up the same arrangement, but they told me they wouldn't accept $50/month.

Am recieving calls from this lady threating jail and threatening coworkers at my job.The loans i recieved were from ArrowHead investments her number is 18884414001 ext 2052 she was asking for money for the loan i ask was there a address for me to send it but was told i only could use a debit card i want to pay the loan but its hard to find out who to pay it to .I would like the harrasing phone calls to stop its jeperdising my job who can i get help from with this issue.Am located in houston Tx

OK, so I have accumulated a whole lot of credit card debt. BUT- my credit score is good (695). I always pay my bills on time, but it's to the point that I cannot pay more than the minimum, and my interest rates have risen and it's starting to swallow me. I am looking over debt consolidation and debt settlement. I know that settlement will kill my credit score. How bad will it be and how hard is it to improve your credit rating after a settlement?

I could never find this info anywhere online for my own personal issue and I was wondering if anyone knew the answer to this as I feel it might be valuable to folks dealing directly with first party CA's. what are your rights dealing with them? i know the fdcpa only applies to third party. are there any consumer rights to dealing with original creditors? thanks.