I recieved a rather (disturbing, fraudulent, errounous...I haven't found the right adjective yet) phone call from IDT Carmel Inc. The conversasion started off with I said yes and she then said "This is Ms. Jackson with IDT Carmel you owe us $821.61, how would you like to pay?" Well after my jaw came off the floor I asked why. She asked if I ever had a US Bank Checking account. I told her yes, and that I had closed the account in early 2003.

My mother called me today and said I had mail at her house??????I have not gotten mail at her house for 3+ years!!!Well I told her to open it and tell me what this was.It was a collection letter stating that they have a debt.NOW here is the kicker I have filed bankrupy (sorry cannot spell)on this debt and they know I have and has been discharged!!!!!!!They state I have 30 days to get papers from the courts or they are going to re-instate this old debt!!!!!I thought when your bankrupy is discharged thats it?????Bud

i want to know can i loan the 3,500.00 and who help me ? let me know

I'm so embarrassed to even admit this but I have 14 pdl's out right now. Most of them are internet loans and 4 are storefront loans. What I need help is knowing my rights and if anyone has had any experiences good or bad with the following companies. I'm thinking of filing Chapter 7 bankruptcy and want to know what I should tell these companies in the meantime.

Can anyone share their experiences with storefront lenders being handled by T & C? I know I can be sued by the licensed lenders even with a debt management company paying them but how common is it for them not to like the amount they're getting from T & C even if payments are being made? I'm a little nervous about these. The storefronts are Checkmate and Advance America and my husband and I both have loans with each one. We haven't officially defaulted but we will when we close our account Friday.

I was just wondering do any of you all regonize this name? KYSIDE38

I would like to learn more about debt consolidation to see if this is something for me. Currently I am considering this as an option but do not know how the pros and cons.

Pleeease! Has anyone had experience settling with a payday loan company called "Authorized Payday"? Has anyone sent them a settlement letter, or settled with them through T&C? Please share your experiences in how easy or hard they were to deal with.

please someone tell me how I would find out if I am due overpaid interest on th epdls I have out. I live in Maine. There are several posts in this forum that state they were able to get refunds...how do I look into this?

i received a letter from the payroll depart of the company i work for stating that asset acceptance, is going to garnish my wages! i have never received anything from this company in regards to this, so how could they just state that they can garnish my wages?