Update! Update! This should spread some sunshine to everyone! :sun: I received a letter in the mail today. I had posted that an illegal collection agency reported an unpaid collection account to the credit bureaus on me from an illegal pdl that was overpaid, I was refunded, and marked paid in full. I was never contacted by the collection agency. The debt was never validated, the loan was pif/overpaid/refunded/closed. However, there it was on my credit report. I disputed with the credit bureaus, I disputed with the collection agency via email and USPS.

Can CitiFinancial do a bank account garnishment on a creditor? Even though the contract between the creditor and CitiFinancial says any disputes would go to aribtration? I'm currently 2 months behind on paying my loan with them, and they told me today that if I don't pay what I owe for the 2 months by the end of this week, they will file a judgement against me to garnish/empty out my bank account. Can they do that without going to aribtration first? I thought arbitration was used in place of court?

i need help out - i have five loans - and they total $1750. i guess it could be worse. they are all internet loans and I have been paying the fees but no principle. is there any way out?

A week ago a woman named Elva from Corporate Receivables called my home three times in one hour. The first two times my parents told them I wasn't home, which I wasn't. The third time she went on to say that I should call her as soon as possible, and that I "must be in trouble." My dad called me to let me know, and I called her back. She then asked me to call another company to make a payment with another credit card using Western Union.

About 4 1/2 years ago, I completed a contract with you people to help me with my credit card debt. I am desperately trying to find that account number. Could you possibly help me?

How do you excercise your rights if a payday loan is illegal in your state?

Hi, My name is Bergie and I live in the state of Kansas and have several payday loans between my husband and I. 2 are with CashCall and I have already read the horror stories on them. The first one is AeroAdvance for $300 and I have renewed it twice. Think Cash one for $2000 and one for $1750, we (my husband and I same checking account though) pay $94.79 and $96.21 every other week, Cash Call 2 for $5000 each which we pay $254.03 twice a month and then World Wide Cash for $200. I am not proud at all.

I had a pdl with this sucky company almost 2 years ago, and after paying who knows how much, I finally told them I was done. They have no access to my account, sent them a letter, filed complaints, the usual stuff and didn't hear anything from them for well over a year now. Today, I got a voicemail from someone named "Joe", stating that he was from Interim Cash Ltd., calling about my loan and wants to get it resolved, blah, blah... If I did not call him back by 4pm today, legal action would be taken, more blah, blah... Of course, I didn't call him back.

Hey, does anyone know which online lender is operating out of Manitoba, Canada?

I have taken out several payday loans and can not pay them. What can I do. Im in Calif.