Are there laws that you can now go directly to the creditor if stuff is listed on your credit reports? I've been out of the game for a little bit and would like to thoroughly read up on this new set of laws if any of you could point me in the right direction? I am still exclusively using Texas law over fed laws, but who knows?

Can a lien be placed on your property without your knowledge? Long story ... short civile judgement, owe money, paying scheduled payments per court order (not child support). 4 years later discover lien on mortgage while attempting to refinance. Was this explained to husband in court procedings???

I have had three loans with PG and two have been paid off. However, I still have a loan with them and because I've lost my job and am unable to pay them or anyone at this time, I decided to add up the interest from the past loans and the payments already made on this current loan and it totaled well over what the principle balance is. I used the form letter found on this site and their response was that they would not use the past interest for this current loan.

if I pay late? Why do they want me to comback and sign papers if they know there getting there money?

This is the response I received from East Side Lenders [FONT=Book Antiqua][/FONT] East Side Lenders is responding to your correspondence regarding the above-captioned account. East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware.

I had a $300 limit card with Cap. One, and CIR took over the debt, they put a debt of $2,200 on me !!!!! sent me letter of offer for $700, 800 then 900. I finally response to the offer. Called them and bargained if they can reduce the price to 600, Diana (legal assistant - acts like a lawyer to me) said I have to pay $900 or it will be there forever. I ended the call, and called back in few days later. I thought I could resolve it in a polite manner with them.

My husband used to have the Zales credit card and we use it to purchased a total 2,700 giving a deposit of $800.00 cash and the balance in the card and we also purchased that lifetime proctetion. Because financial problems we didnt paid the credit card and they closed the account. Now my ring has the diamond loose. Can i take it to Zales to get it fixed with the proctetion plan or not??? we are currently not paying the card. Thanks

These are my Payday loans and Im in Louisiana. Cash Central Borrowed 500 Amerilaoan -520 Sureadvance-700 Sandpoint Capital- 390 Cash Direct Express 500 How do I get out of this mess/ Im paying biweekly on all of them

What are the laws on these people buggin you at work or home when you are trying to pay them off? I live in Ilinois....

I would like to receive a validation of this account. I am not aware of these charges. I have sent a letter with no response.