I am in PA, are there any collection guidelines that the original creditor must follow. Does it go by your state or the state where they are?

Which is better, Settlement or Consolidation? I have 45K in debt (and current on all my accounts) and a consolidation company (Federated Financial) said I could get rid of this in 4 years with $1000 a month. A debt settlement company (debtxpert.com) run by a gentleman named James Lombardi mentioned that I can get rid of my debt in less than a year with settlement. The second option seems very tempting, but I would really like some input from all of you on this... Thanks!

I just received a phone call from a Tina Watkins from Phoenix debt management. She was rude and ignorant. She threatened to verify my employment and attach my wages. I told her to verify the debt and she said she already sent me the necessary paperwork. I told her she didnt and she said she wanted to speak to my supervisor. I hung up on her. Two seconds later, I get a call from Bonnie Bulmer from PDM and she was very nice to me. She said that if I come up with $850(the original amount borrowed) for 3 IPDL's that I owe money to she will get me a PIF letter and have the fees of $450 waived.

Apply online, fax in your information, it even gives an option on how fast you expect you account to be open (anywhere from a few days to within the hour).. Your account opening state will be Florida on their proof code list #79 no matter where you opened the account. I have 5 accounts now with them in the past 5 months (2 checking, 1 savings & 2 loans). Their checking accounts have no holds to my knowledge, I dropped a $5600 personal check written to me into the business acct before 2pm and it was available in full as of 6 am the next day! Their new ATM's are worth it, you can deposit up

Are you authorizing the company to look at your credit report?? I sent a DV letter to Avante and then a couple days later the put an inquiry on my report, can I dispute that, or just send them a removal request??

I found this website last week. I found myself in quite a mess in regard to payday loans and slowly accumulating debt. With the cost of living difference between Texas and Connecticut I had major expense problems for a guy on a fixed income(I'm a disabled veteran). Can't believe I gathered all my info and finally uploaded it to the site. It was kinda stressful for me, but once it was complete, just seemed to be a relief. !!! I have good feelings about this web site. I've been hoping for a way to get all my expenses back under control. I believe I've found just that way.

I had a collection agency send me validation of a debt, they now state that they will only wait 10 days for payment. How long after validation do you have to respond to the debt? Th validation that they sent did not include my payment history with the old collection agency or include any licensing information on the new CA.

I feel as though I need to post a warning to all of our users here seeking a loan for a person with poor credit. A year ago, I took out a loan with Prosper and it was a great experience. I used the money to pay off all of my charge-offs, delinquent accounts and a few other bills. I literally had $3 of the loan left over when I was done, but I paid everything off. At that time, the assistance I received from the Prosper community was great. People provided feedback, advice and I was surprised I funded.

Hi I wrote in last week and you guys have really helped, but now we need to know how to get the ball rolling on the extended payment plans with our store front pdls. We are in Ohio and our pdls are at Cashland,Check -n-Go,CheckSmart and Check ExChange. My husband and I have greatly appreciated your help. Thanks

The Ross Perot Foundation is selling one of the few original copies of the Magna Carta signed by Edward I in 1297. I know, originally King John put his seal to it, but it didn't become English law until over 80 years later, and signed by Edward. On December 18th, start your bidding, if you have 20 to 30 million dollars. http://www.chicagotribune.com/news/local/northwest/chi-magnacartadec08,1,7246200.story