I live in Reno, NV and I think I really screwed up this time. I took out a $10,000.00 loan with Western Sky at 89% interest. 89%!! What in the world was I thinking?! All I could think about was how desperate I felt at the time. All I needed was $3000 to pay off another debt that I was four payments behind on but the rep at Western Sky convinced me to take the $10,000 loan and pay back $7000 right away (no penalties for early pay off) and I should have the rest paid back in just a few months as long as I pay the minimum of $743.49 a month.

Hi Waffles, In a separate thread you said that Cash Call is not bound by the FDCPA because they are the creditor on my Western Sky loan. I want to verify this again with you as my understanding was that WS sold the loan to CC, who is now servicing the loan? Doesn't this make CC a third party collector on this loan, and bound by FDCPA? I have been talking with CC...and want to be sure I handling it correctly. I appreciate your expertise! Thanks

can you co sign for someone if you are in a debt consolidation program

I had a credit card through hsbc years ago made some dumb mistakes. it went into collection through a company called arrow finacial. I paid arrow financial the full amount and they have removed from my credit report, but HSBC still has that it is a charge off since i have paid it is their anyway to get removed from my credit report

What is the status of this company? I see their address is 2840 Hwy 95 Alt Silver Springs NV 89429, which is also the address to a Silver Shield Services (an incorporation company) that has a bunch of businesses under it's name that are revoke, permanently revoked etc.. I live in Pennsylvania and am having a problem with this company. They are threatening to debit my bank account if I do not pay them.

They refuse to negotiate a settlements and accept payments. The filed and received a Judgement for 12,000, which is 400.00, more than the debt owed. They then put a lien on our property in 2011. on 8/14/12, then filed a cash levy on our joint account and well as my husband's individual account; joint account is still on hold, causing major banking issues, and now are seeking court ordered wage garnishments. I have a court date on 9/29/12. What if anything can be done. for 2 years I have been working with a debt management company, and saying money to help settle the case.

I have trying for 3 days to get USAA to honor the ACH revocation on 1 Payday loan that is illegal. I keep getting told by one of the 'executives' that because I agreed to this contract, it is not possible for them to revoke ACH. I have went around and around with 3 different 'executives' and keep getting told that there is nothing they can do to help me. I just have to work it out with the Payday lender... Where do I go from here??

I am a bit confused with the regulations on payday loans in the State of Texas. Unfortunately, I currently have 4 and am wondering if they are indeed legal and at what point have I legally help up my end of the deal. Here are the lenders: Payday One (Online) Original Amount: $850 Paid to Date: $1504.36 Principal Owed: $660.00 Total Owed: $822.42 Advance America (Store Front) Original Amount: $900 Paid to Date: appr $1400 UnitedCashLoans (Online) Original Amount: $300 Paid to Date: $90 Principal Owed: $300.00 Total Owed: $390 Cash Store (