I got a call from a collection agency, who's name I currently dont know because they would not repeat it for me. They could not have had this account for more than a month or two at the most. The loud obnoxious guy I talked to told me it was on the way out of their office, and going to court for refusal to pay. He wanted to know if I had a lawer to represent me. I was just wondering if this was a scare tactic to get me to pay, or what. This account just went into collection status, and isnt even over $2000. Any advice.

I posted before but I wanted to know if anyone can help me with figures :) Im in Ohio. I first took out $500 In Jan07. I have had 571.42 dispersed to me. I have paid a total of 924.66 so far. I still owe the original 500 plus interest on my next payment. Can you please tell me what, if any I have overpaid according to my state laws. Im not even worried about a refund i just want ot be able to have figures when I write them. Thank you. i am going to my bank today to close my account- everythng has cleared. thanks so much to all who help on this site!!!!!!!!!!!!

Hi all. Things are progressing well with my dmp! But, I did send this month's payment to them a few days late, and they still show that they haven't disbursed this months payment to my creditors. I havent' been late with a payment before, what happens now?

hi, i am a member of the mortgage forum. sam helped me a lot to find out some mortgage related technical probs. i am from india. dunno if u guys can help me or not, still asking. i read this forum often (thank god i did). just few days back i got a call and the person pretended to be from my credit card co. he had a good voice. he told me a wrong 16 digit no. and asked if it was mine. i said no. then he told "its not urs? then whats ur credt card no.?" as i was on my way to home, i requested him to call later. but then suddenly it came in my mind. why should i disclose my secret 16 dig no.

I work in law enforcement and they called me at work. I had a pdl from Paycheck today which i paid at least $500 on a $300 loan. I live in florida. I see I should send a debt validation letter to ARM but what is the address for ARM? Should i send a letter to Paycheck today also?How do I get them to stop calling me at work also? Thanks for the help

I just got a call again from Larry Foster with Westbury Ventures. He was asking about the payment arrangements I have with SJM Marketing to pay back $200. He was a very mean person and I hung up on him. He said I can continue to hang up on him and he'll just harass me more. I asked him to fax me a copy of my agreement and he said it's not his fault I lost it and whatever... What do I do?

If I know that I have a debt with a company listed on my credit report should i still send a validation letter in hopes that they cannot validate the debt and that it will be erased?

Of interest: John A. Gill Jr, a payday lender . . .was convicted by a Pensacola FL junry in 8/07. He was found guilty of criminal usury violations of the Florida racketeering statue, was remanded into custody. He has ran a variety of payday loan businesses since 1992 which 'ran afoul' of state regualtors in ALABAMA, COLORADO, FLORIDA, GEORGIA, LOUISANA, NEW YORK, NORTH CAROLINA, SOUTH CAROLINA, TEXAS, VIRGINIA and WASHINGTON. In addition, the Texas Attroney General froze Gill's assets in a deceptive practices case against Advance Internet and Texas Advance Internet.

HELP! I was trying to transfer money from one account to another, and thought the money was in the account at Bank A, on which I wrote the check. I then deposited this check at Bank B. The money did not show up and the check did not clear. I don't have the funds to make immediate restitution due to medical bills, so now I'm worried about getting arrested for kiting or check fraud. In addition, the bank paid a $1,500 item which I had attempted to stop from both the payee's end and the bank's end.

Hey guys.. ok here is a question I need to ask. I wrote to Jackson Phillips, and ARMS requesting the validation of debt , and after the 30 days if they don't respond to me, then what ? I am sure someone has covered this somewhere but I thought I would ask. Thanks!!!!!!!! :wink: