How to I get link to PTB in Texas to report this fool? I filed FTC complaint...

Just found this forum, thought Id see what it has to offer. Here's my situation: House in foreclosure- we don't live in it anymore, dont care if the bank takes it, would prefer not to have it anymore Chase CC, Sears CC, Misc. Credit equals roughly $10-12K. Id like to avoid bankruptcy as would everyone else, what are my best options? I read that 99% of debt consolidation companies are a crock of S. Please help!

Does anyone know if payday cash is licnesed?

I have two accounts that were closed due to being overdrawn (one with Wells Fargo - $1800 and the other with Bank of America - $600). I've made arrangements with both collection agencies to begin paying back my debts, but I know that after two months, this is going to fall through because: 1. Both companies said that the debt has to be paid within 4 months 2.

SORRY FOR THE LONG POST!! I need some help though! So let me give a brief intro: I'm 32, married with 3 kids. I've been in debt since I was about 22, with it slowly growing over the years. Although I deserve credit for poor choices/money management early on, I would dare say that maybe half of my unsecured debt (approx $17,000) comes from things out of my control - car repairs, medical bills and a very bad business decision - over the past 4 or 5 years. If you can't save money (cause you're paying debt payments all the time!) how else do you pay for emergency's??

I have payday loans that I am trying to deal with, that are eating up most of my check each payday just to pay the renewal fees. I filled out an application with Oak View Law group to see if they could negotiate a settlement for me. Can anyone advise on if this is legitimate or not, or what is the best way to handle this problem. I don't want my checking account messed up, and I can't pay my regular bills because of trying to keep head above water paying these fees.

Can anybody with debt file for BK. or is their special condition, I know it is more difficult now. or is it different from one State to another. I live in Michigan. Please help

I have been harassed by the same lady for over 3 months, calling me at work and my cellphone demanding for me to tell her if I am going to pay on a Providian account. One of the times she told me that the last time there was any account activity was in 2001. Today she called again and had an attitude with me, asking me if I was going to make a payment. I asked her again to give me her address so I could validate the debt and the amount and she told me that I was past the "validation date".... whatever that means.

I did not know that I even had anything in collections, untill I recieved a letter from them. I paid in full on 11-13-07. Now they are calling and not leaving numbers for me to call back, I just need a phone number for them I have tried everything can you help?

Hello, like many I have gotten myself into the payday loan trap. THAnks to this wonderful site I have gotten most settled, but the one that I do not know what to do about is Cashnet USA. I thought that they were not licensed, but I recieved email back from them stating they are. Any help with this PDL company? I live in WI. Thank You!