Back in Nov. 06 they decided to switch everyones account number, including mine for my auto loan in Il. so now i have two accounts on my trans. equafax and experian that reports me a charge off, and the other account is 5,000 that does not belong. i have sent letters, calls since nov. even to all the credit agencies, but no one will believe me. I have never been late on this car payment ever since I got the car. they just say the other is right, then they give it a point vaule, and tell me to go to hell. anybody gone through this that can help me? thanks

Thank you for the helpful information. I just read the North Carolina prohibits pdls. What can I do to reduce the debt without going further into debt? Thank you for your replies.

I obtained a loan from CashCall for $2600. I want to pay them off but not the high interest rate. What can I do? I have stopped the automatic drafts and now they are calling. Please help. How can I get the interest rate lowered?

I understand many people's hesitation in willing to deal with collection agencies. For years collection agencies would run rampart over people's lives with threats of harsh punishments if payment wasn't immediatly provided to cover the account balance that was/is due in full. Still today collection scare tatics are being used by unsavory collectors. I've been in pre-charge of collections for sometime now and I've heard it all. Truely I have. I do my best to work within the guidelines that my companies client requires us to do so and also following the fdcpa.

I obtained a pdl from CMG. They told me after I had the money that I wasn't suppose to get funding because I only get paid once a month. They also told me that I put on the application that I get paid twice a month and that is not true. I owe them $390. How can I pay them back under my terms? I closed the account that was affected by them. I called out of courtesy to tell them and they still drafted my closed account. How can they do that?

:shock: too many creditors consolidation needed

I have just signed up and Superior seems to be the top choice for my situation. However, I have read over quite a few posts and have seen mixed reviews. Does anyone have any update/recent opinions about this company? Thanks :)

Hi all! I was just reading through these forums and there is some wonderful information... I have about 3 accounts on my credit report that are in collections for about 2 years now. I also have 2 credit cards that I would like to consolidate.. I was wondering if there is any way a CCC organization would be able to negotiate with a collection agency? TIA for any info. :D

Hello, I am so glad to have found this website. I don't know what to do. I am completely broke and utterly ashamed to have goten myself into this situation. My bank account was closed due to my negative balance of $1900 due to NSF bank fees from all the debits from the PDL companies keep trying to make (they finally closed the account) but I had opened new account at a 2nd bank but after 2 months the 2nd bank froze & closed my account after the 1st bank reported me to chexsystems. Now I have no bank account. Here is the list and amounts borrowed from each lender, and amounts paid.

Yes, That is very true. Consumers really need to learn the laws concerning debt among other laws also. But at the same time we as a people need to be calling our local and federal governments, and be demanding that we have more through schooling for children and young adults. In the fields of debt, credit, how money really works, how to protect themselves from fraud. Not to mention continued education required in college, concerning these issues like consumer rights.