After spending countless hours on the IRS Offer in Compromise - There form is telling me I can afford to pay them $1000.00 a month. Well the form is full of sh!! So now what do I do? I'm thinking now that I should try for the installment agreement. Any Ideas.???? The problem that I notice with the ofc is you have to have receipts for everything....I'm sorry I don't have receipts for a tank of gas that i bought last month with cash, and I'm sorry that I happened to make more money in the last 3 months than I will make in the next 3 months. This just stinks :(

I had a 200.00 loan with FTR and I have paid them the principal plus many finance charges. I stopped payment on the transaction. This morning I noticed a 320.00 debit from Westbury on my checking account. Are they affiliated? I'm not delinquent on any other PDL. I wonder could I get my money back from the bank? I'm going to call Monday morning and explain it to someone. I am so upset cause that was my money for my electric bill. I wish all the internet PDL would close down cause they mess up more than they help out.

Offered settlement of about 720.00 discont on amount owed. Could that amount be reported to the IRS as income? And are there negative impacts to settling v. paying in full? Note: have history of 6 payments (all on time) on this debt. Thanks!

I have several outstanding payday loans. I've never missed one, but the interest rates are atronomical and they are having a negative impact on my budget. I would like to combine them and pay them all off over the next few months. Is this permissable and can they contact my employer, sue me or attach my bank account in the meantime? I really need help. I'm tired of living in fear of pdls.

O.k. we took out the PDL with Geneva Roth (loanpoint??). Is there a site where you can see if they are licensed in Ohio? What steps can I take to avoid any problems that others have had. I don't want to fall trap to them. We are willing to pay back the loan which I think he was told my a girl named Melissa that it would be 390.00. Can someone gie me any information. Wish we found this site before taking a loan with them. Right now, I just need to concentrate on getting out of this PDL. The Store one we have I am comfortable with taking money until I can get up with G.R.

Can someone please tell me how to remove the window to the left of this message screen. I can't read all the posts because the window cuts them off. Thanks

Hey just wondered if any of you all was keeping up with the nightly news on this mortgage trend. 20 percent of mortgage loans are now subprime. Subprime means HIGH interest rates. Many of these homes are being foreclosed on and these companies are bailing out. What that means for the credit poor is it is going to become increasingly difficult to get a home financed. What I cant understand is when is our government going to step in and do something about this predatory lending? I truly think this was enacted to correspond to the tougher bankruptcy laws that was enforced last year.

Anyone ever deal with or know how to deal with Cash Call?

Here's my situation. I have a checking account that was closed due to a negative balnce from National City last fall. In december I recieved a call from allied interstate saying that I owed 1300. I agreed to pay 335 a month for 4 months. Last month my hours were cut in half at work, so I was unable to make a payment. I asked if they would give me two weeks until my next payday and they said no. So today I get a call saying I must pay the remaing balace, around 650 dollars, or they will be forwarding my file on for legal action.

I posted a few weeks back about how i wanted to open a new checking account. I've been doing research on a few banks and I can never find an exact answer. Im in New york state and Looking to open a basic checking account with either washington mutual or Commerce Bank. Im not worried about passing the chexsystems but I'm worried about being denied a checking account cause of my bad credit and i have heard of this happening. does anyone have any experience or know about the procedures of these banks? or maybe perhaps another bank where i wont have a problem opening an account. thanks in advance.