Okay, maybe I am confused but I thought the purpose of consolidation companies was to get your monthly payment lower than what you are already making. I currently pay $484.18 a month without the help of CCMS but now they are telling me its going to be $592 a month. How is that helping again? I am confused. Thanks

i paid off an illegal loan via moneygram - amerilaon - is it possible to reloan and use this money to payoff a legal one? or can i get my money back from them is my real question?

I have set up moneygram payments with 1 illegal and one ok - what do i email to the illegal one - USFASTCASH) - also netcashusa no response from them in regard to wanting to set up payments they have not called me as of yet - last debit 17th but acct frozen on NO DEBIT and no word from them or email replies - searching for their license in new mexico - if they are legal i want ot make arrangements.

You guys are NOT going to believe this! Or maybe you will... I just got a telephone call from some man named Mr. Martez and left the phone number 1-866-504-7548. I called back (feeling frisky). They answered the phone as PDM. I googled the number first, nothing came back. He informed me that he was calling regarding an "outstanding pay day loan" with Web Pay Day. He wanted to give me a "courtesy call" before pursuing further "legal" action on my "outstanding balance" of $120.00. I sweetly replied to Mr. Martez "Ummm. No.

Hello! I received a collection notice back in July 2007 and I immediately contacted the creditor and made a minimum payment without even verifying the validity of the alleged delinquent account. To date, I have made 2 payments. As of last week, I found out about this site and a debtors rights. Consequently, I sent the collection agency a "debt validation request". My request is beyond the 30-day period that I have read in some of the threads here. Do I still have the right to request validation, given the fact that I requested it beyond the 30-days period? Thanks in advance!

Hi, all, I'm trying to resolve this situation before the interest gets ridiculous, but mypaydayloan.com is making it impossible. I took out a $200 payday loan on August 9th. "Geneva Roth" was listed on my bank records as the people depositing the funds. The woman who spoke to me on the phone told me that $260 would be automatically deducted from my account on my next payday, August 17th. When that didn't happen I checked their website. It said that I had to make a "payment request" two days before my due date or the loan would be considered defaulted and they'd withdraw the full amount.

So, I have this IPDL in my dmp program, and they accepted the first payment. So, all of a sudden, I get this email: Quote:

Dear XXXXX: We are contacting you about an overdue account with us, One Click Cash account #XXXXXX. According to our records, your outstanding balance is $560.00. (If you have recently resolved this account over the phone, please disregard this message.) We value you as a customer, and want to work with you on settling this account.   Clear debt solutions anonymous 18 years 5 months ago Hello everyone, I'm new to the forum and was hoping I could get some advice. I signed up with clear debt solutions to help me out with some overwhelming credit card debt that was the result of a job that didn't pay enough as it promised so I couldn't keep up with the bills that kept coming in. I've only been in the program for about 8 months but have just been served my first court summons for Chase bank. I have a lot of money in my IRA account but wanted to know if there was some kind of hardship waiver so they don't take the 10% out for early withdrawal.   Vote for Morningstarr430 to DebtCC Hall of Fame donnotemailme@donotmail.com 18 years 5 months ago Hello Everyone! It’s time to announce another community member into the prestigious Hall of Fame section. We are very happy to see Morningstarr430 becoming such a valued member of the forums. Thanks to Morningstarr430 for sticking around and helping others escape the payday loan trap! Please vote for Morningstarr430 into the Hall of Fame section.   Why are my threads disappearing? anonymous 18 years 5 months ago I have posted several threads to this forum which have been deleted. Did anybody ever tell you that censorship is un-American, just like not paying your debts?