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can a debt collector get me for check fraud for closing my bank account with a payday loan still owed?

I ORDERED THE WU YI TEA PRODUCT FOR A FREE TRIAL OFFER OF THE TEA, I WAS SUPPOSED TO PAY $6.95 SHIPPING AND HANDLING ONLY, BEFORE THE TRIAL PERIOD WAS UP, I WAS CHARGED $37.00, I CALLED AND WAS TOLD BY CUSTOMER SERVICE THAT IT WAS CANCELLED, I WOULD RECEIVE A REFUND, THAN THE NEXT MONTH ANOTHER CHARGE OF $19.95 WAS ON MY CARD AGAIN, I CALLED WAS GIVEN THE SAME STORY, I HAFE STILL NOT RECEIVED A REFUND, WELL GUESS WHAT AGAIN THIS MONTH A CHARGE OF $19.95 OF MY CARD, I AM ON THE PHONE AGAIN, GIVEN THE SAME BULL OF A STORY, THERE SHOULD BE SOMETHING DONE ABOUT THEM, THERE IS A DEFINITE SCAM GOING

where is my thread??? Did someone erase it??????????????

Hi, here's my bad situation. I am drowning in debt, can't pay it, can't make the monthly payments anymore. I have a low-income job, but own my house free and clear (inherited it). BK is not an option for me because I would not be allowed to keep the house under Ch. 7, and am not making enough money to pay the debt off in 5 years in a Ch. 13. I tried to get a HELOC, but was turned down by 2 banks. I don't have any savings or anything else I can use to settle the debts, and it would take too long to save enough money on my low retail wages.

hi all, In the last 6 months I have paid off all of my bad credit, including payday loans.The only thing that I am in repayment is my student loans. In the last few months my score has only increased about 20 points, this includes paying off a car 3 years early. I make weekly payments on my student loan so this will be paid off by the end of the year. My score as of now is 590. I had bankruptcy 5 years ago and all statements show this. I have 1 credit card that is in good standing. I only have 2 negative items which were paid off 6 months ago.

I used to own a business in Michigan that unfortunatley failed. When I closed the business there were some outstanding debts. My question is, because my business was formed as an "S corp," what are my obligations to these debts now? I thought the whole concept of forming an S corp was to protect me and my personal "assets." Thanks in advance.

Hi, My fico score is 50 points lower than the rest of the 3 credit bureas, is this normal? Thanks

Has anyone ever hired an attorney to deal with collection agencies and any account referred to legal departments or lawyers. Just wondering if I should continue on my own or get a lawyer to handle things.

Feedback requested on DV letter updated since I last posted about it. Thank you. To Whom It May Concern: This letter is being sent to you in response to a notice from your office that was dated ________ regarding an alleged debt. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is not a request for "verification" or proof of my mailing address, but a request for validation made pursuant to the above Title and Section.

For over seven years a credit card debt was on my credit report. After that time, it was removed and my credit is fine now. Recently, that 10 year old debt was bought by Genesis Financial Solutions and they are attempting to collec it. My question to the community is: since this debt is past the statute of limitations and past the time it can be reported on my credit report, if I don't pay it now, will it be put BACK on my credit report??? Please respond.