As most of you have noticed, we have been receiving a HUGE number of spam messages lately. This happens from time to time, and is one of the hazards of having a message board site as we have. UPDATE...per our site Admin, Mike, the Mods CAN delete an entire thread - including member's posts - and the members will NOT lose their points. Please do not respond to these posts - some of them are "job offers" (bogus) or simply empty posts, or have gibberish in them. Responding to them serves no purpose, as the "poster" is usually a bot - not even a real person.

I received a phone call a Travis Watson claiming to be from a Business called Litigation of theft Arbitration from Texas. he told me that my daughter would be arrested in a couple of days if she didn't pay 722.00 dollars on a 150.00 dollar loan in which 66 dollars was already paid. This was a payday advance from cashnminutes. this was very detressing for me, as I was just diabled from work today for too much stress and this man stressed me bad.

I learned of the pros and cons of credit cards in college, I was overjoyed of having plastic money on hand while away at school, but I mis-managed this and it all blew up in my face. Long story short: I have about 8k worth in credit card debt and haven't made a single payment in about 7 months. I need all the help I can get. Please help! What are my options? I think it should be wise to enlist the help of a credit consolidating service. Any good, honest ones out there? Any good stories? Recommendations please. Thanks.

Hey all, This is kind of embarrassing, but I have terrible terrible credit due to losing my job a few years back I was unable to pay all my bills and some went into collections and others became delinquent. Anyways I have made it over the past few years with no credit and doing just fine, till now. I am in a crisis of sorts and now I realized that I do need credit. I have been working on rebuilding my credit, but I havent had the means to fully restore it or the motivation till now. So my father said he would cosign with me on a loan, but I fear with my score will it even matter?

Does the Cease and Desist letter work for a debt that is over 5 years old. Does it work to say you only want to deal with the original creditor. I have a $189 debt to Advance America from maybe 6 yrs ago. Pargon Way owns it now. Paragon sent JCC Christensen after me. JCC offer a settlement of $90.86. I send the money in in the alloted time frame. Before they recieved the payment Paragon took the debt from JCC and gave it to Merchant Bank. I would like to pay this but I am afraid to deal with the collection agencies. What are the chances of Advance America settling with me?

[size=3][/size]I have the following pdl's in default. All storefront in Washington state. I closed my bank account. I have always paid, then reloaned immediately money tree $700, paid $700 fees the cash store $700, paid $800 fees check n go -$648, paid $500 fees speedy cash -$500, paid $400 fees Quik Cash - $600, paid $700 fees Cash & Go - $500, paid $400 fees can't do the state plan as I hd no fee money this time. should i try to set up payments of $100 each per month or pay one off per month (i can afford about $600-700)?

Hi. I live in KY. In the past two months I have been sued by Asset Acceptance and Midland Funding. I hired an attorney for the Midland Funding, it was for $2400.00 My attorney did not want to fight it he advised I just pay it because it was a small amount. Go figure. It was a large amount to me. Anyway the lawyer told me the statute of limitations in KY is 15 yrs for written contracts. Said credit card was considered written contract. My mother agreed to help me with these two bills. Anyway, I have an outstanding Capital One account from 5 yrs ago.

I had a loan a long time ago with World Wide Cash and now they are harassing me. For one, I live in NORTH CAROLINA and they are prohibited here. My loan was for $300.00 and I have paid them like $50.00 and now they say that I still owe them like $376.00. I just don't get where they are coming from on that. If anyone can help me, PLEASE DO..Thanks...

I have four collections ranging from $67-338 that I would like to pay off to clear up my credit reports, total about $775. I have spoken to the collection agencies on my credit reports, and each has denied payment in return for deleting the file. The dates of collections range from 2003 to 2007. I have just finished paying off a tax lien, and am able to pay the full amounts, if necessary. What is my next logical step? Should I call back the companies and ask for supervisors?

If they say that my finance is $15.00 per $100.00 and loan is for $300.00- That whould be $45.00 not $90.00 . Right? I have paid them so far- (115.00 + 82.50 + 82.50 For a Total of $280.00