Hi everyone, I'm back!! I'm finally done with that class that left me with no time for anything. Well, I guess I have alot of reading to do in these forums, so I can catch up with everything :)

My credit card apr is almost 30%. I cannot make these payments with an APR so high. I need to consolidate. I feel like I've been paying for over 2yrs and my balance goes no where.

When people like us tasted PDLs, we were unaware of the repercussions, don't you think there is a need for awareness campaigns? Why is gov not doing anything?

i see that only few companies do payday loan settlement/consolidation. Is there some major differences with payday loan settlements/consolidations? Tx

Just an FYI I received a yellow card in the mail today about a pending settlement with Ameriquest Mortgage Company. They screwed a whole lot of people and are having to pay up. Each state has a minimum payout from AQ, my state in particular is $600. Anyhow the information can be found at this website Ameriquest Mortgage Company ameriquestmultistatesettlement.com/ Link made inactive as per forum rules - Jason

I've got 2 charge offs I want to pay. BOTH of them are scheduled to be removed off my experian report by October, I previously disputed these. and I know BOTH of them are 'fraudulent', the 7 years for both accounts has passed. however, I still want to pay these but I do NOT want these being reinstated or even replaced on my report once they've been removed. What amount should I realistically offer? one is with LVNV funding from Household/Best Buy. The original debt was less than $900, but they're reported more than $1900 on my report and I am NOT willing to pay that much.

Posted: 30 Jun 2007 17:33 -------------------------------------------------------------------------------- I have an installment loan with check n go. All papers state First Bank of Delaware. I emailed them about needing to send payments to them. I never sent them any of the letters i sent pdl b/c I considered them a different loan. I told them I wanted to continue to pay them and needed info on sending payments. I got email saying they only accept moneygram sent the day before payment is due. I can't send payment the day before payday by moneygram!!

i get divorced recently and i had to get 4 payday loans, and 1 personal loan to cover all my expenses, i want to pay all that off so i don't have to worry about it each paycheck. all i need to pay off that debt is 3000 or 2000. please help me and let me know any info. thanks beatriz maxwell

Does anyone know of a business mailing address for Cach LLC?? I never heard of them, but their name came up on a recent credit report for a couple of hundred dollars. I can easily pay it if I knew who and where.

I have about $40,000 on 5 cards, are there any legit debt settlement firms out there that will actually do something for me besides get me judgments??