I got a $25 gift certificate for my birthday from Amazon and I am dying to spend it but I don't know what I should order. Anyone have any recommendations? I know what all they have...books, cds, etc..but anyone have anything that you think is a must have?

I am getting so many phone calls from collectors telling me you have to pay this off, like i have that much money lying around. I am just so stress about this situation :x I just would like some help with this if its possible.

I am currently in the process of going through a consumer credit counseling service, I have a loan through payday loan yes. I have informed them that I am going through this process yet they continue to call me. They informed me, not the credit counseling service that they do not accept this method of payment. I called the counseling service and they told me this is just a collection tactic and that payday loan yes has to submit in writing to them that they will not accept this form of payment. Has any one had experience with this.

what are some honest debt settlement companies

Received this from Payday Yes Today.... Quote:

May 17, 2007 Ms. XXXXXX We are in receipt of your complaint dated May 10, 2007 which was received via fax on May 11, 2007 and believe that the facts are somewhat different than those in your letter. I would however, like to share with you the terms of your loan.   What is the name of a good reliable debt consolidation co? anonymous 18 years 9 months ago I have way too much credit card debt and need to consolidate them and was looking for a reliable company to help me do this, without causing more stress than i already have. So far I am current in my payments but now am having trouble just making the minimum payments. What is a good debt consolidation company in Arkansas?   i need a link for MD law regarding internet payday loan anonymous 18 years 9 months ago I can't remember the direct link to the MD state gov page that showed that internet payday loans were prohibited. Thanks please.   Judgement from Asset Acceptance anonymous 18 years 9 months ago I hope someone can help me with this matter I'll will try to make a long story short back in 95/96 my now husband then boyfriend had a car repo of course the bank sold the account to Asset Acceptance who then slaps a judgement in 2000 without notifying him and charges interest on the judgement to where the balance is more then what the car was originally bought for.   If you voted for me- jkrohn@emaple.net 18 years 9 months ago A big Thank you! I really appreciate it. You guys are great and I cant say enough about this wonderful site!   I have VisDISNB on my anonymous 18 years 9 months ago I have VisDISNB on my credit report. I am thinking it may be a Visa Disney account, but nothing is popping up on google. Any thoughts?