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I found this article and thought it would be interesting to other members. Personally, I don't see how this helps the consumer if the cap is 36% but, the lender can "charge other fees similar to those already in place."

Someone called my wife's cell phone from 800-530-2609. When I checked the number @ whocalled.us I found that it was this collection agency. Has anyone had any dealings with them?

HI-I have gotten into the payday loan trap and am trying to climb out slowly! What a mess~ I currently have only one major pain-Cashtransfercenters-I see they are illegal-I still owe them $700 principle and $950 total. I did put a stop on my checking account. Any ideas on how to deal with them?? Thanks so much!! I love this site!1

Hello, DebtCC Forums. I'm OPArsenal. Nice to meet you, too. I found this site while I was at work a couple of days ago and I've been lurking since then. I don't know if "y hello thar" topics like this are frowned on, but at any rate, I've figured that I'd go ahead and register for an account, and post more regularly. So... Here it is. I'm a debt collector. Obviously, I'm not goign to tell you which CA I work for, but I don't think we're a group of ****, and I certainly know that I'm not. I'm not NoNonsenseCollector-ish at all.

I am posting from the stocks in the public square in the UK. Big Ltd/Gfsil had me arrested at my job and flown to England and turned over to Scotland Yard. They have put me in the stocks in the public square where children are yelling dead beat Yank and throwing dirt at me! Some tourist was nice enough to let post with my nose as she held her lap top. Those people from Big are not kidding. Give them anything they want so you don't wind up like me!

I don't have much time. Some mean other prisoners want the computer and will beat me up if I'm not off soon. I was contacted by a collector for an outstanding pay day loan who told me I would be sent to jail if I didn't pay up. I didn't believe him and the next thing I know the cops are dragging me away. Can someone help? Pay what you owe because this could happen to you!

Last week I posted a question regarding PayDay2Go who had contacted my employer regarding garnishment of my wages. I received lots of feedback from you guys regarding what I should do and faxed PayDay2Go a letter revoking any voluntary wage assignment I may or may not have signed, and gave a copy to my payroll manager. Today my payroll manager gets a fax from them with garnishment papers and a copy of the wage assignment I signed.

After telling the bill collector from United Cash Loans that I don't have the money to repay, he yelled and screamed at me over the phone. I hung up on him. He then called me from his private cell phone late Friday (2-1-08) from a bar. He called me several bad names, including 'faggot,' 'loser' as well as other derogatory remarks. He continued to call all night until I blocked his number. I managed to save a couple of these messages on my answering machine, as well as I have his full name and phone number on my caller ID List. He even states his name on the messages he left.

The destruction of my credit started early. My parents never had good credit—at least my mom didn’t. We would buy groceries with pennies she had to dig out of the couch or car because she was too embarrassed to tell my dad that she didn’t have any money. My dad had a GREAT job and we never went without, but my mom kept the ringer on the telephone off because off all the collection calls she would get. She would sometimes go months without paying the house payment and have to borrow it from my grandparents.

Everyone has had that moment in their lives where you do something or say something that is irreversible and make you want to withdraw to a cave somewhere. I think it would make for interesting and humorous conversation to share those moments of pure humiliation! Years ago I was working in a state of the art lighting design center. A male architect a female designer and a woman from a local school board came in to discuss pendant fixtures for the school lobby. As always I gave a tour of the facility.