Is anyone else noticing this? In the past week, I have been getting tons of PDL offers by e-mail. I truly wonder if someone out there is phising for some new bank information.... Like that's gonna happen! LOL

Hi, I'm new to these forums. Stumbled through when I was googling help with payday loans. I live in Texas,a nd have numerous payday loans. I don't know what to do. I've gotten way over my head, and now I'm past due on my car payment and my rent is due on the 1st. I have all these loans that are supposed to come out to, and I will not have enough for everything.

My parents-whom I haven't lived with in over 10 years-were recently contacted by Redline about a debt that I have with JCPenneys. I contacted them and was told that I had to make a payment immediately by a check over the phone. I refused to give my account number until info was sent to my current address. No info came so I forgot about it and made a payment through JCP's website. Then they called my parents again! The next person that I spoke with said that I had to pay them directly because it had been charged off and no payments through JCP would be posted to my account.

how do i make a payment on line

I would appreciate any help you can provide. I negotiated payment to a debt collector (33 percent of what was originally owed). I paid via "electronic transfer", the debtor went away... 6 months later, I'm receiving letters again regarding the same orginal debt I settled in full but now from a different debt collector. They assured me this would not happen, I'm devestated and now after settling with a few of these companies, totally broke. How can they do this, and what is my recourse?

I received a call from 500 fast cash she told me i borrowed 200 and have paid 300 in fees she told me that they will take me to court for writing a bad check because automated debits is like writing bad checks because i had insufficient funds in the account when they tried to draft my account. also ez loans called me today and want me to settle with them. they want me to pay just what i borrowed, which was 300.00 but i have paid 300.00 exact in fees. what do i do next?

I have the same account listed twice. Once by the original creditor, once by a collection agency. Can the same account be listed twice? Who do I send a DV letter to? Also, in regards to inquiries on my credit. I have inquiries from companies that state it's for collection purposes, but yet I don't know what account it's for. It's not listed in my credit report, and I have not received letters from them. Anyway to get those removed? A third question- I have received letters from collection companies but they are not listed on my credit report.

Is it true that if you request verbally for no calls at your work phone creditors have to stop calling or must it be in writing ???

I am a couple of months behind on my citibank student loan, and I have no idea how I'm going to pay it. I used up the allotted forbearance time last year when I was in the middle of a payday loan mess. I have learned that payday loans are evil, so I don't want to go down that route again, but what can I do? My credit is messy, I'm a single mom with a $500 per month daycare expense among other regular bills...has anyone heard of private loan companies granting extra forbearance time? Any other ideas?

Hi all, I am seriously commiting myself to finally getting out of debt! So I got my credit report from all three agencies (ordered a 3 in one from TransUnion). Boy, is it UGLY! Things I noticed: 1. Best Buy card/HSBC is listed twice. First time listed it has a wierd account number and is only under Equifax and says Closed (Transferred). The second time it's listed it has a different account number, and is listed under TransUnion and Experian and says Derogatory on it. Why is it listed twice like this? 2.