I called Citibank on Saturday night & said I would send a payment of $80. I'm only one payment behind. Now if I send the $80, that leaves me short changed for the consolidation program. That $80 would help a lot with the consolidation. What should I do? I know I told Citi that I was sending in $80, but should I not send the $80 and put that towards the consolidation program?? Not sure what to do...If I call Citibank & tell them I can't make the payment for $80 this month, but tell them I'll try & send a double payment next month, would they go for it?? Not sure.

I have been reading on here about writing letters to pdl companies--especially online pdls--telling them to cease calling and only work in writing through letter or email. Does anyone know where I can find a sample template to follow? I have ipdls calling me at work...and I need to stop it. For more information about my loans...I did post about my problems in another thread called Payday Loans in VA--Help! Thanks for everything!

I did the payday loan thing and racked up 7k in medical bills.I want to repay everyone but the medical went to a collection agency.I cant afford to have my wages garnished.The payday loans are accepting 20 a month till paid off but the C.A. for medical wants 50 a month.What are my options here.I cant afford to have my wages garnished. I live in montana.

Please help me. I received a call from am attorney today stating that if i do not pay them today that they were going to file federal charges against me. I trited to explain to them that i had a different bank account and was trying to get in touch with them and never received any reply back. I live in the state of Maryland. I do not want to go to jail. Please help me.

I just got this from USFastCash.. I'm taking it!! :lol:

We are a small business and had our first unfortunate situation of a non-paying customer about 6 months ago...something I suppose will eventually happen to all businesses. I was searching online and found the Ficka & Associates website, usacreditrecovery.com and thought I'd give them a try. What a massive mistake! I was originally dealing with a Stephen Scheckman who was a fast talking sales guy who I decided to go with simply because he called me everyday for a week.

Becoming & Staying debt free is maintained by Kevin Surbaugh a.k.a. the Prince of Thrift from Topeka, KS. He is the Vice President of Chesney Park NIA and wants his statue to be made by "melted plastic from my old destroyed credit cards, fussed with copper and cement". The blog started on March 2006 and picked up the pace from May 2006 with 22 to 26 posts per month on an average.

I have been looking through the DIY and cannot find a validation letter for a PDL/CA firm that I need to send one too. It seems that the ones I have found under DIY all have to deal with the credit reporting agencies and this has not yet happened. I would appreciate any help! It will be going to 500FastCash and illeagal IPDL company.

Hi, I've paid off all of my paid loans this week. Do I need to send a cease and desist letter to them. I will be going to my bank this week to talk to them about not allowing these transactions to come thru.

I receive my communication from Discover in emails. On September 4th, I got a letter stating that since I was entering into a program, my account will be closed effective immediately. Then tonite I get an email stating that if the amount due now isn't paid by November 2, I will be considered in default of my agreement & that Discover may ask for the full balance due. Normally my payment date would have been 10/11, but the letter I got tonite said 11/2. Is that because I entered into the program? Or is the letter I got tonite just something that is 'normal' & common?