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Hi, I'm new. I was going over my credit report and I noticed something strange. I have a little $500 limit CC with Capital one. I've made a few late payments in the 7 years I've had it. CapitalOne has requested my credit 20 times in a 17 month span. Yes, that means there have been 1 or 2 checks each month since Jan '06. What would provoke them to do such a thing? How badly does that hurt my credit? Is it disputable? Should I close the account if they continue to check my credit? Thanks for your help.

I got in the mail wednesday a "settlement opportunity" from MCM today. The offer is 581.76 mind you last weeks was 431.78. Anyway I have an updated mailing address in anyone needs it... midland credit management, Inc Department 8870 Los Angeles, CA 90084-8870 Phone number- 1-800-282-2644 Fax number-1-800-306-4443

I have looked and can't find the adresses for these companies. Could someone please post the contact info for them? Thanks a lot! Payday OK Payday Select Payday Yes MTE Financial ameriloan Discount Advances (Igot it) Sonic Payday United Cash Loans Aeroadvance

Hi everyone. Just wanted to share a bit of good news with you. I am one ipdl free as of today. 500fastcash agreed to mark my account PIF with the LEGAL amount I owe them provided I send it in by moneygram today. I am on my way shortly to get them out of my life for good. Just 2 more to go!!! Thanks to all for all of your helpful advice! I would have never had the courage to do it without you. :-)

I got myself stuck in getting these things and now I am getting threatened left and right...what can I do?

What is the name of your state? TN After doing my research on an old credit card gone bad, I Have decided to contact the attorny and try to negotiate a settlement and payment arrangements. I had a HSBC NV card a few years back that went bad. I received a summons Monday to appear in court in exactly 2 months. The attorney is from the Hosto & Buchan law firm. I have noticed that they have a bad rep when it comes to these dealings. I am a senior in college and do not have the resources to completely pay off the debt in one payment. I have their number and want to call to set up payment.

OK so I found out in Florida this is what the law says regarding payday loans :In July of 2001, Florida passed a bill that put limits on payday loan practices. In the Florida bill it states that lenders cannot loan more than $500. The Florida bill also puts a restriction on the amount of interest payday loan lenders can charge. Currently in Florida, interest rates are capped at 10%, one of the lowest rates in the nation. The Florida bill also puts additional restrictions on the number of loans a borrower can take out at one time.

My real name is showing when I post and I'd rather show a screen name.

I was on this site last night for about 8 hours after I got home from work trying to get ideas on what to do. All the info is so overwhelming. Can you guys give me advice on my situation? Grab your seats! I live in TN and have a whopping 16 internet payday loans between me & my husband. I have about 9 in my name and they are in default because they hit my account so much my bank closed it. So I am no longer paying the fees for those 9 accounts but still owe them. By the time the bank closed my account I was $2000.00 in the negative which the bank is now after me for.

We are currently expecting our third child, which was a little bit of a surprise. We have a three bedroom home that is entirely too small. Our vehicle is also too small, but we have too much debt to get a bigger vehicle or a bigger house. I have done some calculating and figure that if I can consolidate some of our unsecured and secured debt into one payment, I can save about $365 per month, which would be a big help.