I received a message on a multi user telephone at work yesterday from pay day loan yes. I called back to talk with Tyler but talked with another representative. He stated he worked for Legal Mediation Practice. I closed my bank account after making a loan with pay day loan yes. He needed to collect $790 by 8:00pm or I would be arrested for fraud, loss my job, and never work in education again. I explained to him that I am willing to pay the loan in two to three payments but I had money at the current time until next payroll. I made the loan months ago on an old open account.

Has anyone dealt with Harvard Collection? They are appearing on my credit report as a collection, however, when I call the tele number it rings fast busy and I can't get through. Also, my credit report shows it is from an old long distance debt from 4 years ago. Can they legally list on my credit report a collection without having contacted me in writing or via tele?

HELP!!!! My husbands wages have been garnished and we now cannot make our monthly bills, anyone have any ideas on how to stop these so we can make a payment to them that we can afford??? I already talked to the collection agency and they refuse to stop it even though with this we have to choose between heat and food. If anyone has ANY ideas, please help me!!!!

What can I do about SIMMS Associates running a request for credit on my behalf. I found an inquiry as a result for applying for credit on my TransUnion report. I would think that this is highly illegal since I did not do apply for credit and I have not applied for credit since I refinanced my mortgage last year. I would like some advice on how to really stick it to them. I know that they are a collection agency not a credit company. Thanks, Robert

I am VERY angry right now as I have just discovered that my debt management company, CCCS, has just overpaid an account to the tune of $135!!! (It was a an internet PDL, so there is NO CHANCE of recovering this overpayment.) This is the second time this has happened. And they charge $30 a month to "manage" my debts. If I drop out of their program and take over the payments myself, what would happen? They did get the cc companies to lower intrest rates and lower min payments. Do you think the companies would work with me in the same way? I AM FURIOUS!!!

bought a car in 2000 filed bankruptcy in 2004 car was paid off original lender still is trying to collect the debt through sra I don't owe them can they still try and repo my car and make me pay off debt that was paid in the bankruptcy

what if a pdl puts a negative on your credit report even though they're illegal/prohibited in my state would it have an effect on my credit report?are they able to do that?what do i do then?

If you go to court for a credit card balance can they take away your house? I live in New York and I have been told they can put a lien on it but not take it. Anyone know if this is true and where could I find info on this? Thanks for all of your support.

HAve anyone ever heard from ACA collections

I have a question. I purchased a vehicle 2 years ago with a loan through HSBC auto from a dealership in Ohio. The dealership not only gave me the keys to the car, but also the title which was free and clear with no liens. However, I am having problems with keeping up with the payments and HSBC are threatening to repossess the vehicle. My question is, since I already have the title with no liens on it, what legal actions would they have to take to get the TITLE back from me? Thanks.