I have been looking at this board for a couple of weeks and I have finally decided to take action and stop this trap that I am in. I have been going through the cycle of payday loans for a little of a year and I am done. All of my payday loans have been paid for on the principle balance and on most, a lot more than what the principle balance was. So, I am done! I do have a few questions that I haven't found on the boards.

I had a past due account with an apartment complex so this company called me wanting to pay the balance . When I asked what the balance was I was told 1900 . When I called the apartment complex they told me it was 80 and that I could pay it through them . I paid the apartment complex and now iq data will not show it paid and says I still owe the money . These are the rudest people that I have ever dealt with .

Are payday loans legal in Georgia?

I have a judgement filed on me for a CC that is several years old. The original CC limit was 1000, which we never breached, the total debt is showing now at $13000. Is there a way to get this settled for something more reasonable?

I have been receiving calls from IAG. These calls are consistents and daily. They are calling fro s person I do not Know. I have tried to stop these calls and spoke to several people. Now it is turning into a shouting match, Where and how do I stop this illegal activity?

I have reviewed my credit report to find that Midland took over a very old cell phone acct that I owed on. The last active date is 02/2006 and then it states opened 08/2008. I am assuming they took over the collection 08/2008. Does the statue of limitations start when they took it over or when the original debt was added to my credit? Mostly I am concerned because they documented it as a 90+days late as of 06/2012. Shouldn't it state simply that this is a charge off or in collections, as this is not a recent account? Can they legally do that?

Hi Forum, Lately I've been receiving calls from One Click Cash. Back in March, 2012 I borrowed $600 from them and have paid back a total of $720. Today a collector called to tell me that I still owe them a grand total of $975, which includes: $600(the original loan amount), $180(renewal fee), another $180(loan fee) and $15 for a return fee. I thought I sent out the letters as outlined by Ohio Gal and others on the forum, but now they are calling my job everyday. Does anyone have any specific information about dealing with One Click Cash?

I got a reply to my letter to Ms Chavez but not from her, rather it came from the Dispute.Resolution dept. [INDENT][COLOR=black]Thank you for your correspondence. Per your written request the ACH draft has been stopped on this account per your request as of September 9, 2012. Also, we have investigated your concerns and have confirmed that the debt referred to in your correspondence is valid and that we are correctly reporting all credit information for this loan. In summary, this is a valid debt that has not been paid in full.