Internet's First Get Out of Debt Community!

20+ Years of debt relief success

Slide to see your debt amount now

Search forum

getting started

18 years 3 months ago
getting started with the program how long does it take

 

OC vs. CA, what is best strategy to improve credit?

18 years 3 months ago
What is the best way to handle paying off debts that have been sent to CA? None of the CA have validated the debts. I want to pay them off in full and go for getting off negative reporting on my CR. CA will not/cannot remove reporting from OC, and CA did not validate. Will I have some ccards that are being reported by OC and CA? If so, since CA did not validate, then I can ask for deletion and than approach OC with pay in full in exchange for removal of negatives?

 

regarding credit card

18 years 3 months ago
I was referred to your company by a mortgage broker to repair my husband and I credit. We are trying to get a home loan and were told to get a secured credit card to help get our credit scores back up, since we've applied at many mortgage companies who have been running our credit scores. I will tell you that we don't have the best credit in the world so we are just wondering if you would be able to help us out in this situation. Thank You, Jaclyn Fell

 

pay day 2 go

18 years 3 months ago
this is what i emailed them and this is the response I got back The link you provided quotes DC law. If you review the contract to which you agreed and signed, the terms of the loan are interpreted under the laws of St. Vincent. As the money was lent from an international lender (L&M Financial, a St. Vincent company) which operates inside the U.S., the contract is applicable to all federal laws. Additionally, the contract is not subject to state laws as L&M maintains no physical presence within your state.

 

Payday loan revoke authorization letter

18 years 3 months ago
i neen a payday loan revoke authorization letter, pleas help

 

Karen Lamb w/ Payday Yes

18 years 3 months ago
Quote:
Please reference your loan contract the Loan Note & Disclosure Statement, the Governing Law section.

 

to refi or take another HELOC

18 years 3 months ago
Great site! Ok, have a 1st mortg at 5.50% currently in year 5 of a 15 yr mortg. Bal is 105K Also have a heloc interest only at 7.24% Bal is 80K. Due to illness , was out of work for almost a year and racked up 50K in cc debt. Have two choices I think. Increase the HELOC to 130K to payoff all the debt. THis would be at 6.99% interest only (primed based) OR refi the whole thing (including the 1st mortgage)30 year mortgage interest only for the first 10 years and then recast at 6.625% and pay closing costs of around $8000. WHat would you do? I am overwhelmed. By the way.

 

does anyone have addresses for the following

18 years 3 months ago
USAPAYDAYLOANS INTERIM CASH LTD. EPAYDAY QUICKIESTCASHADVANCE AIS Services LLC

 

How does this look, I want to send to the FTC, AG, and BBB

18 years 3 months ago
Can I send this if no payments have been made??? 11/20/2007 I have sent this letter to PayDay Loan-Yes several times, with no response. I get a phone call this morning threatening to go to my payroll officer with this information, I have been trying to contact these people for months and have proof that they have received my letters. They are refusing to give me a physical address so that payments can be made, therefore I wish to file a formal complaint against this company. I do recognize this as a debt and want to pay them there funds back in a timely manner.