hello all, im new here and just came across the board. Here's my situation, any help would be great. So I just graduated from college a few months ago and now have a job where i am in position to start paying off my credit cards that i used to get threw school. I have one card that is at 4,800 with an apr of 29.99%, and another card with a balance of 1,700. I never really payed attention to the apr percentage until i started paying it off and the balance wasnt really going down.

I got a call from MCM, saying that they were calling on behalf of AspireVisa and that they were getting ready to contact an attorney...yada yada.... I told him I have no money, I amunemployed so there was no way I could make any arrangements. AFTER I said that he goes throughthe whole thing of do you live .....are the last 4 digits of your social..... and then any information will be used to collect a debt etc etc. Isn't that backwards?

Hi Mike, Hope you have a chance to see this here since my PM may be acting up, but I wanted to cash out my debtcc points to my Paypal account. How long does it usually take for the process to be completed? Thanks!

Interesting article from the Jacksonville Times-Union today. Ted Ellis Crosby is now in jail for possesssion of a fire arm by a felon.

We have three of them Online loan $300 + $81 Storefront $600 + 80 Storefront $600 + 80 WE have been paying on these since last Novemeber and we just can't afford to keep up with them anymore. Any advice on how to get them paid off. Can they be consolidated, or is there a way to stop the interest.

Has anyone ever received a pif letter from Geneva Roth before?

My husband and I have been diligently working to clean up our credit. I have encountered a situation where. We settled a debt with Encore Collections then we received a balance from the original creditor. Stating that they don’t except the settlement even though they get the money we sent to the collection agency. My question is can they do this? Legally what can we do?

First, I want to say thank you to all of the wonderful people on this board. I, like everyone here, was in a PDL mess. I found this board, followed some simple advice, and am now PDL free with some refunds coming my way. The fight isn't over, but I am on the easy end of it now. Second, a few words about Payday OK and Payday Select. These two companies are the same company, and they are so good, I kind of hate doing what I did. I live in NC (PDLs are illegal here), and had PDLs with these two companies.

I live in Mass and I just found out the bank that I have my car loan with is not licenced in the stat of Mass.to give auto loans. Where does that put me? I am behind about a month.

http://www.jacksonville.com/tu-online/stories/061107/met_176207561.shtml Read it here folks!!! Bass and Associates made the big time!!!