Okay...I live in Florida and I have 11 payday loans. They are all online PDL's. I have debt consolidation for my credit cards, and the only way they will do payday loans are if they get sent to collections. I dont want them to go to collections, Should I just let them go to collecions and let my debt management plan take care of them??? I'd would like to pay them off one at a time. I am just confused about the laws here. Florida law says that there are no rollovers allowed. Is that the same as "renewals"? If it is, then I have more than paid off all of these loans, just on renewals alone!

I do not know how much credit I have but I need to do you help with student loans and car loans as well?

I had surgery in March 2003 and the anesthesiologist did not file for insurance in a timely manner so they are coming after me for the entire amoung. I checked with the insurance co. and they said that it should be written off. Since the insurance company has a time limit and it was not met, am I responsible for the payment? thank you, Linda

I was wondering if anyone has filed chapter 13 and included their pdl's in their plan. If so, was there any problems? Did the pdl's file a claim to get paid? I have loans from Payday Avenue, Payday Select, 500fastcash, Nationwide Cash, Cashland, Cashnet USA, and United Cash Loans. Any advice will be appreciated. I am filing Chapter 13 in a couple weeks and want to know what I am up against. Thanks!

a credit card co. went to court, they won,now they want full pay back in 3 days.Or the cops will come and take all my personal things! what can I do?

Lol.....man what is the story "The Kayden Group" and Campose Chartered Law have the same website. I contacted Mr. Campos......he has not responded. This smells like Hess Kennedy.....lol Be careful

I currently have about 6 pay day loans out. After reading the posts here, I went back on my bank records and it seems they are all paid in full, and then some. The most trouble I had is with BIG international. They called work and spoke to a co-worker about my debt. I reported them to the Mass attny generals office. Now I see payday loans aren't legal in Mass, so One by one I plan to write and get a paid in full letter. Now the credit card debt, well I had the pleasure (not) of dealing with the law Firm of JA Cambece. I was bullied into making 2 payments already.

Quick question - how do I check my points? When I first signed up, it used to be under my name, or some place on the screen. It's probably right in front of me and I just haven't realized it.

My wife and I have tried contacting AMEX for about 8 months. We have a Blue card with a high amount owwed. My wife lost her job and we tried to come up with a payment plan with AMEX, close the card, etc. They refused to talk to us. We used a debt management company for a VISA card and we now have a manageable monthly payment. AMEX still refuses to talk to us or the management company. They just keep using the same old collection companies and are still piling on insane interest and late charges that we can't even pay the monthly minimum on. Any advice?

I sent a letter to arrow financial services for debt validation and all they sent me was saying who it was for. Isn't there suppose to be more info than who it is for?