I was trying to figure out who's been calling me every hour or so (it was HSBC, by the way), and stumbled here. Wow! I look forward to learning from all of you, and hopefully getting out of the debt hell that I'm in. My wife and I both have decent jobs, but we still live paycheck to paycheck, with all of our credit cards maxed and no apparent way out. Reading some of the stories here gives me hope when I need it most. Thanks! H&J

I too received such a letter. It certainly reeked of something. I almost sent it to my previous employer in Washington, D.C. due to disclosure. No, I did not join nor did I just drop off the last "Mother Ship."

My name is Audrey and I am from Illinois I took out a 200 dollar loan with Route 66 Funding the # I have for them rings busy everytime you call and no one really speaks english that ever calls me so I get no where when they do call I have to date 12/8 paid 711 on a 200 dollar loan -SOMEONE PLEASE HELP my number is 618-927-**** please call with information Phone number removed for your safety - Jason

I sold my car to pay off payday loans. I rehabilitated my student loans and have made 2 on time payments to my new lender. I am building up my credit. However, my biggest shame is the debt I owe to family and friends who helped me out when they could have told me to go to halifax. I have worked countless hours of OT to pay back my personal debt. Two weeks ago I tracked down an ex-boyfriend who loaned me $300 for airfare to attend a family member's funeral 5 years ago. I found him 700 miles away and in dire financial need himself. I was thrilled to pay him back the money.

I had a charge off that was sent to collections. It was paid. What is the date that I use as a reference as to when it will fall off my report in 7 years? They report it every month. Should they be doing that? Thank you! Account Number: xxxxxxxx Current Status: COLLECTION ACCOUNT Account Owner: Individual Account.

I have six payday loans and can't seem to get ahead . i have falling behind on my bills is there helpfor my situation?

It’s Christmas and I am in a mood. I have changed my avatar (the image that comes with my screen name) being inspired by Ashley. Why don’t all of us put some Christmassy images/avatar during the festivals? Let's make the forums colorful and bright :D

Is re-aging a debt illegal...and if so what provision of the FCRPA shows the lawsuit info? Assest Acceptance has re-aged all my old debts to this year's date.

There seems to be an awful lot of PDLs giving refunds lately----is this because they want to get all of this done before the new year? Or are they literally running scared?

i got a loan recently and i don't know how to go about finding out when it's due?