Payday One I have borrowed a total of $446.25 I have paid them $487.29 They are saying I owe them $595.00 but are willing to settle for $400.00. I reside in Ohio. I know the interest rates are high on these internet based Payday loan companies, but, jeez, that seems a little over the top to me. :shock: I have tried to reason with them, at no avail. I closed my checking acount, sent them a cease and desist email, but they are driving me nuts! Is there a letter for a counter offer? I simply do NOT have the money to pay this right now. I don't know what to do.

The company is trying to charge me out of the rear. I called to inform them that my account had to be closed due to fraudulent activity, but they continue to try to debit my account and charge me for it. I have asked them for an address in an effort to satisfy my debt, but the refuse to give it to me. HELP! Does anyone have an address for these loan sharks? Thanks, Sharon

Many of you know the issues I have had with Churchill Resolution collection agency. I thought I won when they admitted they handled my account incorrectly. BUT I received a letter in the mail last week saying my account balance is at zero. This was over the pdl Lazer Lending. I had to go through all the letter writing to the pdl, the debt validation letter to the CA, them violating the fdcpa and calling me and when I complained to the FTC, the calls increased. By time I was finished with the woman on the phone she could not speak.

My husbands 26 year old daughter stole his identity and applied for 2 credit cards and got direct tv. She was approved for the cards and give her own address. She never paid one payment on the cards and both are $1700 each and 1200. for direct TV. Before we realized it was her we filed a police report. After researching this we know it was her and had her sign a letter to each one of the creditors taking full responsibility and agreeing to pay all that is due. I have the police report and the letters what do I do now. How to I get this put on her and off of us.

Contacted me via email, saying that something is wrong with my checking acct. I have been trying to contact them for weeks now, and all I kept getting was a generated response, so this should be interesting!!

Hail What do you think about this? When it happens?

Debt Bankruptcy affects credit ratings. The clause of debt bankruptcy (link removed per TOS) remains in the debtor's credit report for about six years. Lenders deter from offering loans to people who have or had been adjudged bankrupt. This is often referred to as a bad credit case.

I don't get a chance to watch a lot of TV, but have been following The Bachelor with a sort of morbid curiosity. Tonight it was down to two girls, one to say goodbye to, and the other one to propose to. He said goodbye to both. Anyone else see this? ABC has also been cheating the ratings. I know this by watching The Bachelor. That show that comes on before it "Samantha" something or another. They'll have it start a bit after the half hour and run a couple of minutes after the top of the hour.

Yes, by all means send a DV letter. Did you examine the big stack of papers?

Hi! has anyone heard of the Law firm of Frank J. Ball and are they a legit outfit. They sent some guy to my home tonight about an old Citibank debt the are after for a company named Velocity Investments. It was a big stack of papers and all they gave me was the last 4 digits of this supposed credit account that neither my wife or I recognize. Should my first step be to send a DV letter? Thanks! Seems to me that there are alot of firms out there making things up and hoping to get lucky. Very frustrated because this is a pain in the ass. I am in Denver,Colorado.