So I took out a student Stafford Loan a few years ago with the University Of Phoenix Online. I dropped out after less then a year and never received a bill. Now I go on my credit report and the loan company filed a claim with the Government. Am I safe to assume that they will take it out fo income tax now? What rights do I have and can I correct this so this won't happen?

Is it better to pay $10 on each card then nothing at all. I have reached a point where I can no longer afford to pay the mininum balances. Any thoughts? Thanks, Roger

At the end of January I took out a pdl with Authorized Payday for $300. I paid $90 for the next four paydays - totalling $360. It was at that time I came upon this site and realized 1)They are not licensed as a payday lender in California which makes them and their agreement illegal. 2) They do rollovers which are also illegal in California. Since I paid the principle and over the legal interest in California, if they had been legal, I stopped paying them. Sent the appropriate letters and reported them to the BBB and Dept. of Corporations. They turned me over to a CA - NCA.

Does anybody have a sample letter to request a payday company otherways to pay pay off a debt with them? I am no longer authorizing them to ACH my account but I still owe them money.

I've been reading posts on various boards where lawsuits were filed without the CA or law firm validating the debt. Once in court, an argument was made by the plaintiff that validation was being provided at trail. Apparently there is case law specifically on point regarding this issue. Does the fdcpa mandated validation take precedent or does each state have separate rules governing validation? Moreover, can a CA or law firm file suit without having validated the debt?

i really need help, all these calls are about to drive me over the edge. i have tons of payday loans, donot even know which ones are what, they are turned over to collection agencies, and they call me every day. is there a way to stop all of this, once and for all.this is totally my fault, i did not figure how stupid i really was until now! i need some help! some of these already on my credit report!

do you deal with secured debt.

I would like to find my account with Sears of Saginaw, Mi. My balance on a Visa card was transferred to Mastercard and ended up in my Sears account.

I just cannot believe these people. I got an email today from the BBB about my complaint to them about East Side Lenders. This is what East Side sent to the BBB: [quote]"We have contacted {ME} via email with our license letter and our website where she can go for additional information and we have not received any response. [BIG LIE]. We are licensed in the state of Delaware to provide small loans. We were able to provide {ME} with a small loan in her time of need and she has paid her loan back in full. Her loan status is paid in full as of 10/18/2007.

Can someone help me please? I need some addresses for payday loan companies to file chapter 7. Here is a list of the companies... 1)Get Cash Man 2)First Bank of Delaware 3)BIG loans (HBS Services) 4)Cash Tree (World Wide Credit) 5)Money Cash Palace 6)Cash Net 7)Payday Loan Yes 8)AIP loans (American International Processing) Can anyone HELP PLEASE?!!! _Frazzled and Distressed