Search forum

Hello, I am receiving letters in regards to 2 credit cards that were charged off within the last few months. A tragedy occurred in my family and I was not able to pay and completely ignored everything like an idiot. I owe about $1,600 total, not too bad. I have about $800 from my tax refund and am willing to pay this, how do I negotiate them down? I owe about $1,050 on one and $550 on another. This seems ridiculous since the total credit limit and both cards together was only $1,050. How do I go about offering them a lowered amount? How long can I wait before they threaten to sue?

Hi...can I please have access again...please. Thank you :)

hello,i wanna try and make a charge off acount current any one here do this and how did it work out .does it make the credit score better,its with citifinancial.

I live in CT, I know pdl's are illegal in my state. I have 5 of them, 4 currently still open. My bank account has since been closed but, I owe the bank money due to these pdl's attempting to ACH my account after I had revoked their ACH rights to my account. Is there anything I can do or am I stuck having to pay the debt to my bank which was incurred solely from these fraudulent companies/ach attempts? Thanks so much!

need help with PD loans,i live in TN and currently owe for 8 PD loans,1 title loan and 2 signature loans,these are all store front locations in the same city,owe 1,784.00 for checks,900.00 for title loan and 406.00 for signature loans,this has been a nightmare for me and my family,broke before payday gets here,,3-D FINANCIAL,OWE 430.00 FOR CHECKS AND 298.00 FOR SIGNATURE LOAN,CASH EXPRESS,OWE 447.30 FOR CHECKS AND 168.00 FOR SIGNATURE LOAN,SPEEDEE CASH,OWE 330.00 FOR CHECK AND 900.00 FOR TITLE LOAN,BREWERS CHECK CASHING,OWE 230.00 FOR CHECK,KINGS CHECK CASHING ,OWE 230.00 FOR CHECK,,OK CHECK

Hi, I live in Ohio. I have recently closed my checking due to getting in over my head with pay day loans. I plan to pay these off once I receive my tax return, but they are calling my sister I listed as a contact and routinely calling my work...as in four to five times a day. Any suggestions to get these guys off my back until I get my tax return? I also was threatened my zip19 to have my wages garnished and to call my supervisor??

Hi everyone, Still battling to be free. SJM was denied their first payment of my hard earned money on 2-29-08. They sent me an email on 3-5-08 saying that I was sent to AIS Services 888-920-1300, Thank you ICollect. Whatever happened to me having time to admit or not admit if it is my debt. I am in Michigan, and I paid $180 on a $300 loan. Please advise me what would be my next step? I am ready to fight, fight, fight! :evil:

does anyone know what the statue of limitations on debts in Massachusetts is? Also where can I get this in writing, thank you.

[font=Arial][/font]Okay I am confused! What is the diffence between CSOs and PDLs? According to CFSA, payday loans are not allowed in Texas but they are advertised as such in phonebooks and at the storefronts. What difference does this mean legally and how does that change what recourse I might have if unable to pay?

Does anyone know where I should send a letter requesting a debt verification?