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I am seeking assistance in getting out of the payday loan trap that I happen to find myself in. At present, I am indebted to 4 storefront PDLs in Los Angeles, CA; they are: Continental Currency Services, $300.00 (Total paid $1200.00) Check Into Cash, $300.00 (Total paid $2400.00) E-Z Payday Loan, $300.00 (Total paid $1703.00) Nix Check Cashing, $299.00 (New) At this point, I have run out of options and would rather not close my checking account. Actually, I would prefer to pay these loans; however, I could only pay what I can afford.

okay, i got myself in this situation and its all my fault yeah. but the thing is i don't know what to do. i'm your typical college student that accumulated credit card debt and just blew off payments. now the collection agency NES is calling me for money. okay. from what i read on some complaints here (dont know if they're true or false), NES uses a lot of scare tactics like claiming to sue, which they did to me. but also, whenever i call them they say they'll forward me to someone else and put me on hold, then they hang up. it happened about 8 times already.

Has anyone dealt with or know anything about "TDS (Total debt services) out of Dallas Texas?

Just a warning to everyone. I was going over the items on my credit report and saw that National Credit Adjusters had put a Key Derogatory Item on my report from Quickest Cash Advance.com, which I believe is a company of MTE Financial? I have disputed this and we will see what they come back with.

are these providers legit.can we trust themwith our financial information. which company is best

I've recently sent a letter to them offering a settlement and they denied it. I just offered to pay the principal balance and they said they couldn't adjust the loan agreement. Should I wait it out and try again? How do I find out if they are licensed to borrow in MN?

hi. my wife moved here (arkansas) in 2001 from canada. she had two cards that were last paid in early 2002. she now has a collection agency phoning home, cell phone and twice at her work today. The collection agency is in canada.Sol in Arkansas is 3 years. alberta is 2 years unless there was a judgment. as far as we know there wasn't. besides that, i don't think they should be calling her work. we've had no communication.....just messages that they've left along with a letter that arrived today that we have not opened......considering returning to sender.

This is the letter Westbury Ventures emailed me today Quote:

WARNING: PLEASE DISREGARD THIS ACTION MEMO IF YOU HAVE SETUP AN ARRANGEMENT!!! I have sent you several emails already and have all the necessary information filed and documented in order to proceed against you for the balance in full. Please contact me ASAP! This is a very serious matter that cannot be ignored any longer. Please respond before January 31st 2008 5pm CST.   In FL during a divorce, who is going to end up responsible? anonymous 18 years 3 months ago I live in FL and my husband has a lot of cards and is fast getting in over his head but won't listen to reason. Am I going to end p being responsible? My name is not on the cards but if it keeps up, I don't know how this marriage can survive this.   Watch out! anonymous 18 years 3 months ago I just found out the sifxpert has been lying to me. He said he was settling an account for me that was in litigation. He will not return my phone calls or emails so I called the attorney handling the case and he tells me there is no record of any contact with anyone on this account other than the current call. So now I am not only in default for not showing up in court bacause sifxpert told me I did not have to but I owe all of the account balance plus interest which is $12,000 that I do not have!