can a collection agency take you to court for a debt u owed a bank,why u dont owe them???????????????????/

I live in florida and have defaulted on several internet pay day loans. Second payday loan with ameriloan $250.00 amount paid $300.00 Second payday loan with CashNetUSA $500.00 amount paid $387.01 Loan with Sandpoint capital $200.00 amount paid $720.00 Loan with Jd Marketing Group $200 amount paid $240.00 I have also already sent letters stating that i revoke all debits from my account and these companies are still debitting. What others rights do i have?

Hi, I'm new here and confused. I had perfect credit for years & then a year ago my fiance was killed I had to leave my job because I could no longer travel(no one to watch my daughter) & had to move b/c I could not afford our condo in CA on my own. I moved to AZ & was unable to find a job for 8 months. My son helped me & I was waiting for a settlement that when it came was much less than anticipated & not enough to pay off my debt, cc's & a 2k loan, just enough to pay my son back & eat regularly & pay my bills before the shut off notices come. My income barley covers the basics.

I am debt free except a mortgage. I have seen all these "programs" to pay your mortgage off in 7-10 years, so, how do they work exactly? Can this be done without eating top ramen everyday? Will I have a hug decrease in life style (no extravagent now)? All other info is appreciated, thanx.

I have an internet PDL through Check n Go. I recently found out that internet PDLs are illegal in my state (Kentucky). They are apparently backed by First Bank of Delaware. Do I have to pay this?

I used to be a medical contractor. As such, my income was very good, and this was reflected in my family's standard of living. New house, 2 new cars, etc. etc. During this time, I was able to clear up previous poor credit by filing bankruptcy and making what I thought were good decisions... ...Then the work dried up. I was forced to take a payroll job (within the same field, but for much lower pay). The bills did not lower, obviously, so we struggled to make ends meet. We were fine so long as NOTHING out of the ordinary happened.

i have several out and one of them is going to garnish my wages, can they do that without a court order. i have tried to make arrangements with them to pay it back but they will not even listen.

I'm new to this I'm sorry if I'm doing something wrong. HELP!! I was talking to this "debt consolidation" lady on the phone today but of course they can't help me with the type of debt that i have. But I mentioned to her that I am currently in Bankruptcy cuz she mentioned that it was the only way that she thought I could get out of my mess. She said "well add them on to it". I felt so good when she said that! The thought that I could resolve this MESS, with that just made my day but I'm not sure if it's possible? She advised me to consult my attorney.

Here's an interesting question. While looking through the list of PDL companies licensed in AZ I noticed that the Advance America storefront where I got my loan is not on the list. Advance has a long list of stores that are licensed all over AZ but the address of the one I got my loan at is not listed. It is my understanding that AZ laws states ALL locations must be licensed. What does this mean? Is the location where I got my PDL illegal?

I have been asking a lot of questions lately but trying to get the most information possible for my settlement offers. I have an old navy account that has been charged off. They never sent to collections, that I am aware of, and it doesn't show on my credit report. Can I call them and offer a settlement to change my "charged off" status? Since they have already written it off what do you think I can ask for as a settlement. 50% 40% If so, what do I ask them to change it to?