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I received a letter from Arrow Financial Service about a debt. I sent a DV letter and they responded with another letter saying they received my request and per the fdcpa they must mail verification before they take any further steps to collect. Then: If we choose to engage in further collection activity, we will first mail to you verification of this debt. Does this mean they can't validate or what? Has anyone else received anything like this. I never did receive any phone calls from Arrow (thank goodness).

The Economic Stimulus section of IRS.gov has been updated, as of 3/14. Among other very useful information, there is now an online calculator. Drag out your 2007 return [you'll need some numbers off it] and clear five minutes from your busy day. Answer a few simple questions, and it'll tell you what to expect. Here's yer link, right here!

I heard some of my friends advertise their blogs on their cars (and their friend's car), have anyone tried this?

it has come to my attention of the current scam based on the irs rebate.some might get a phone call stating that they can get there rebateby direct deposit.another scam is calling to inform that the check was already mailed,but no record of it being cashed.these are both blatant scams.the irs won't call about this or refunds in general.if you get a phone call or email you think is suspicous.forward it to this sight. [email]phishing@irs.gov[/email] report phone calls too,just note the# on your id box.

I live in Texas and have several PDLs. Most I have already paid more than the original loan amount. The breakdown is below. Has anyone had luck calling the companies and telling them the account is closed and nothing more is owed? BIG-loan amount 250, paid 320. Paycheck Today-loan amount 300, paid 360. Cash Andvance Network-loan amount 150, paid 225. Apple-loan amount 500, paid 820. Loan Shop-loan amount 300, paid 270 so far. CashNetUSA-loan amount 500, paid 375 so far.

I was just running a query on my credit report - and I see a collection from RJM Acquisitions LLC. This company has never contacted me regarding any debt. I placed a dispute notice with the credit reporting agency and intend on sending them a registered letter. At this point is there anything else I should be doing?

I recently have a judgement against me, now was served with a right to exempt property form. What do they do in this, put a lien against your vehicles, home?

BEFORE DOING ANYTHING ELSE WITH YOUR FINANCES, READ The NEW Bankruptcy laws! Congress thought this will stop all those Yuppies who wake up in the morning and say... "I'm just not going to pay my Capital One, Mortgage, and Hummer bills anymore! I'll just start new!" The reports on the new bankruptcy law are embarrassing, and have crated NEW NIGHTMARES FOR WORKING FAMILIES! Congress said that bankruptcy was loaded with deadbeats.

i have pay day loans and would like to be rid of them and the payments is there any help for me at all i really need to get out of debt and stay out of debt please help me

So, I guess I too have fallen prey to the Rannefeld gang. I was first contacted on Tuesday, 3/11. I guess they smelled the fear. I was overwhelmed, considering this account was paid a huge payment only 90 days ago (when I was still getting calls from the original creditor). The supervisor of the office made a comment about being able to come up with 100k if someone put a gun to his head... betting that I could, too. The famous Ken Chandler has contacted me twice. He barely allows me to speak before talking over me. Even hangs up on me.