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When the FCRA was revised by FACTA, they put in a section for "Expedited Dispute Resolution" Section 611a(8) aka the on-line dispute system. If you read that part you will notice this sentence: "the agency shall not be required to comply with paragraphs (2), (6), and (7) with respect to that dispute" if they delete the tradeline within 3 days.” Paragraph 2 is the part that requires the CRA to forward your dispute and all related documentation you provide to the creditor.

Here is my issue. I got caught in the loop, as we all have. BIG LTD - 9/13/07 - $200 loan; through 11/30/07 I made 6 payments totalling $405. Impact Cash - 9/11/07 - $300 loan; through 12/5/07 I made 10 payments totaling $550. Then since i was in the loop i needed to borrow again. Impact Cash - 12/5/07 - $300. I made no payments. Cashnet Loans - 9/13/07 - $350 loan; through 12/13/07 I made 9 payments totaling $610 to either cashnetloans or payday loan syes. I had read a lot of the posts and closed my account.

Does anyone have their address, phone number, and fax #? I have filed a Cease and Desist against this company and need this information. They have been harassing me no stop and suddenly found an account and withdrew 400.00 out without any prior authorization. On top of that, they are not even licensed in the state of Oklahoma. Can someone help me out?? It'd be greatly appreciated.

Hi guys. Well I fell into the trap of payday loans! My own stupidity. Right now I'm in the trap of borrowing to pay off pdl which will never get me out of the pdl trap! Unfortunately my credit is not good enough to receive a personal loan...so that option is out. How can I consolidate these loans?

Please share with me Langhorne's phone number and fax number so I can get in touch with them to help me get out of payday horror. Thanks. I live in New York city if that's any help regarding the information i need. THanks

fdcpa Section 809.

I did not know that my husband took out a loan from arrowhead while we were in a stay from our bankruptcy (chapter 13) in order to get money to fix our car. A Sharon Williams insists that she will have our bankruptcy dismissed because of this. We my husband sent in his info and a copy of his pay stub it showed we were in bankruptcy. What can we do?

I am looking for an address to cashin30minutes, a payday loan I took out and defaulted on . I need to send them a certified letter asking for payment arrangements as I have not heard from this company and do not want to argue with them over the phone. Does anyone have a address for them?

Important announcement to all who want to post the useless pay your bills dribble or post spam on the boards. Important announcement

A collection agency tried to collect a $16.96 debt with an letter that addressed its recipient with a four-letter word for excrement. "Dear S---," began the letter attempting to collect from an old record club membership. The word was spelled out in the letter, which arrived in an envelope addressed to "S--- Face." "I've never seen anything quite so brazen," said attorney Kenneth Hiller. He said his client plans to sue Nationwide Collections Inc. of Fort Pierce, Fla., next week. Under U.S.