what do a collection lawyer have to produce for it to be considered validated? also on a few sites i seen where it says applications are scanned or on microfilm what does scanned mean?

Hey, you guys. I don't usually start any threads around here, but this just made my day. I saw this article in The Oregonian newspaper and I just have to share it with everyone. The Oregon legislature recently passed a law stating that payday lenders, and title loans, have to cap their rates at 36% or so. It became effective June 1st, so now the rats are running scared. Read the article....the Powell Blvd they mention in the article is a pretty run down, low income part of town.

I have been trying to pay my bill through your net nervice but it will not axceept my payment

i have recently been divorced i have 4 kids, my ex sold our home and we had to move quickly. i had to use a credit card that i have through capital one. but have yet to be able to pay them back. as soon as i found a place to live i lost my job. i have a job now but it is making much less then i was making. i have a son who has special needs, he is autistic and i take him to the childrens hospital and another daughter who was in a car accident who has been at the same hospital for treatment. any money extra i have goes to them. i am at a loss and do not know what to do.

I havent been on in a really long time, got in a car accident and have permanet nerve damage in my left arm so its kinda hard to type and im not working now either so i dont get paid..*sigh* life is tough right now...so hard to pay bills and everything...

Just when I thought they were gone for good some guy named Sabi called me and after several hang ups finally managed to get to my voice mail. Said I was escalated to the legal dept. Then he called back and I decided to answer. I told him I was not paying him another dime and their was not a thing he could do about it and to crawl back into the cave he came from. He argued with me and got nowhere so he asked if I would like to speak to his supervisor.

Guess what someone gave me as a baby gift???? A FREAKING PUPPY! Now don't get me wrong, I love animals. Love them lots! But who buys someone with a 2 week old a puppy? I barely have time to shower and feed myself let alone potty train and care for a puppy! Why couldn't they have gotten me a pack of diapers???

they also debited a account not authorized in the deal, 6 different times, totaling 450.00 in charges, what do i do

I owe a person some money.(it is a recent debt, within the last year) They have referred it to a collection agency. Ficka and Associates. Ficka keeps calling and threatening to take legal action. I actually mailed a partial payment of a few hundred dollars to the person directly last month. (Not to Ficka) If I keep sending the person checks directly, will it keep Ficka and legal action off my back or can they still a) attempt to get a judgement and b) report me to credit bureaus?

I have been going down a shameful downward spiral with internet payday loans since my checking account went negative in April. To correct the negative account I applied for an internet payday loan thinking that this would quickly solve the problem. It only made my problem worse and now I feel as if I am sinking in water with three loans. I would really like to consolidate them if possible to I can begin to save money again and feel better. Thank you.[/quote]