What happens if my credit is already ruined by having 3 debts turned over to collection agencies (1 already has payment plan established...can I include this in consolidation)? If my credit rating is already bad, would bankruptcy be better? I just can't get out of the hole even though I only have the 3 accounts in collection. (I was able to pay off my other credit card accounts.I have started going to a free financial counseling service to work out a budget, but they don't do debt consolidation. I am 68 years old and can't save anything for retirement. I still work full time.

I have just received the same type of email. What should I do?

Hello, I am a current resident of central Texas since 2006.

Hi, i know you said you live in NC and had dealt with some online payday issues. I live in NC too and had gotten some payday loans back in 2009 and 2010. At that time they were debited out of my account for some time till my account got closed. Now there a numerous places calling me claiming they are from arbitrators offices and that if i dont pay them payments they will serve me, take me to court and etc. Ive talked to the general attorneys office and they say they are illegal. But i am still scared.

These people started calling my phone... ever since I took over my father's PDLs, I've been getting tons of stupid calls. So this guy calls and says his name is "Attorney-Agent Kyle Cooper" from the "Law Office of Financial Crime Investigation Bureau". Thick indian accent of course. He tells me that his officers will come to my office and place me in handcuffs if I do not pay the bill for "American payday loan which owns and operates 400 payday loan company" - interested, I asked what the charges were for.

Can a creditor serve you papers even if you have asked for proof on the transaction and they have not provided it. They said they want to confirm my address so they can serve me papers but they have yet to produce proof and they said they only can when they serve the papers.

About 3 days ago, I started getting calls from a company that listed themselves as Capital Solutions. (They also called several of my family members and I have no clue how they got their numbers) Regardless, they left messages on all of our phones stating they were looking for me and that I needed to call them back immediately regarding a complaint that has been filed against me for Three Counts of Fraud and a Return Check. I figured it was regarding a payday loan that I took out back in 2009, 2010 time frame.

Since 9-19-12 gotten phone calls (upwards of 60 since I started keeping track of the number) from this number than invariably at least two calls come from an unknown caller. they don't leave a message. we rarely answer the phone regardless of who calls. i am now taking pictures of the date, time, and phone number so that when i have received 100 calls from this number, i will be filing a complaint with the FTC. At the rate this number calls, it shouldn't take more than a week. My understanding is there is a $1,000 per incident fine that will pay for our next vacation.

Hello, I thought I wanted to start this thread to share my experience with getting out of the vicious PDL cycle. Over the past two and a half years I have sunken deeper into this trap, but I have now made a decision to get out. I have discovered that none of the companies that I have been dealing with can legally provide loans to residents in Iowa where I live. Below is a summary of the loans that I have accrued over the past years.

My husband has a common name and LNVC funding came up for him at an address that we no nothing or have evered lived. HOw do I get this off my credit report. I talked to the attorney listed on this and him was very rude