CMG/OSL Marketing Group or whoever they are has taken $650 out of my bank account w/out my consent. I have tried leaving messages and sending faxes to get my money back. I never applied for a loan w/ them and do not know what to do. I have to get this money back ASAP. What should I do? Thanks!

Can I receive a template letter that I would send to creditors, explaining the Fair Debt Collection act and how to communicate with creditors?

I got this message on my voice machine at work really nasty woman named Amy telling me to contact her at 800-871-7730 I think this is bass & associates demanding I call her back or my attorney. Any help would be appreciated.

With all of these posts and horror stories, surely there must be some company out there that is doing a good job. I need help and with litterly hundreds of companies doing this, there must be a few that will work with you as an individual. What is the concensus out there? Are there some good companies and who are they?

I am sitting here at work and my phone rings. I have caller ID on my office phone and the unidentified number symbol came up. I answer and a woman asks for me, but she completely messes up my name. I corrected her and said it was me. She proceeded to say that she was collecting on behalf of Jiffy Cash (???) and I have a balance of $1400 for a loan taken out in 2001. I stated I do not have any outstanding debt and never heard of Jiffy Cash.

I in collections for 7 credit cards estimated at $12,000. I defaulted on a timeshare at $7,000. I am so disappointed with myself in this life I am 32 years old. I am probably just going to file bankruptcy. Mentally I am just tired of this debt I can't see how I will ever over come this. I only make $15,000 per year as a security officer.

I can't remember if I asked this before, if I did sorry to double post. I notice that many CA's have a ton of other names, makes me wonder why they do this. Anyhow, for licensing and/or bonding, does one entity have to have it or do they all? I ask because I just received a dunning letter (that is a 'you owe us money' letter correct?) from MKM Acquisitions LLC and initially couldn’t find anything on them.

I can't find the original post I posted on regarding PDL debt. You responded to me earlier this morning. i am the lady from New York in PDL debt. I emailed one of the companies (payday2go) and told them that it was illegal in New york. A man called me and said it is only illegal for storefront, not internet and he said he will contact my employer and garnish my wages - because I agreed to it in the signed contract. Can they really do that?

Do you know of any post-dated check laws in Texas? We were issued a post-dated check, then it was returned by the bank - I thought it was illegal to take post-dated checks.

I had a payday loan with VC Funding. It was originally for 300. I paid 400 of it. I have logged on to here and found out that they have charged illegal interest rates. I put a stop payment on all future debits from this company. I am from Illinois. I received an email from this company. They said they have a "new paymeent plan set up" for $10 a week and that they want to work with me. I also received an email from them. I asked for a debt letter from them and stated that I was from the state of Illinois and that I understand that they have charged illegal interest rates.