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Illegal Loans and Bankruptcy

12 years 10 months ago
I am beginning the process fo Chapter 13 bankruptcy. It will be a 100% payback bankruptcy due to my income level. My lawyer was very clear that I need to include ALL of my debts in the bankruptcy. Regarding the illegal payday lenders: I had a bunch of them that I was borrowing and renewing up until February of this year. I changed banks, sent the letters, stopped paying....etc. I have not heard any more from a single one of these lenders for a few months now.

 

Debt Settlement

12 years 10 months ago
I have multiple issues. I am currently in a Chapter 13 BK repayment plan which will complete in 01-2013. During the plan I incurred additional debt in the form of medical bills (being sued on one of these debts for $7800.00). These can't be added to the CH 13 since they were incurred after the start of the plan. To help cover those debts I now have 7 payday loans which are drowning me and soon I wont be unable to cover the payments. I have about $20,000 in payday loans and medical debt. In all I have about $700 in available monthly income to cover those debts. What can I do?

 

Payday loan revisions

12 years 10 months ago
Right now I have 3 payday loans that are debiting my account twice a month for over $900.00. I just cant keep up with these kind of payments. They are from Great Plains Spotloan and USA Cash . How could I go about getting them to a one time monthly payment that I can afford? I did borrow the money ( not happy about the interest ) and do want to pay them but I simply cannnot keep up with these payments. I live in Missouri. Thanks

 

need help with house exemption ch7

12 years 10 months ago
Thought I was going to get the answers I need here, but I am more confused than ever! The several torts and criminal attorneys in my family are clueless about bankruptcy specifics! After 30 plus years of a pretty decent life, hubby has had to apply for Disability and I haven't worked in years. While trying to keep things afloat as he declined, we went through all 401K, retirement accounts, savings, CDs and ran up an unbelievably large credit card debt. With no hope of repaying the debt, it is time to file chapter 7.

 

Letter of Default HELP!

12 years 10 months ago
I just received a letter of default from Capital One. Does this mean I going to get sued? I am really confused and scared. Im about 4 months behind in payments have called them but they refused to work with me. What is my next step??

 

Payday Loan Help

12 years 10 months ago
I sent a C&D e-mail to Parkway One/Vista B and they again called my at my place of employment twice, left a message on my mobile phone, and sent me an e-mail demanding that I contact them immediately. I filed with the MI AG's office today about this but I have had enough. What do I do from here? Please help this is urgent!

 

Payday Loan help in Michigan

12 years 10 months ago
I'm looking for some advice on how to handle 4 internet PDL's. Below is the information for each of the PDL's and what I have paid. Integrity Advance, LLC., I received a deposit of $300 on 05/17/2012, and have had 4 bi-weekly withdrawals of $90 debited from my account. This results in an overpayment of $60. I spoke with a person from Integrity last night who was rude and he actually hung up on me 3x.

 

Over paid on an "illegal" payday loan, I need help!

12 years 10 months ago
I have a payday loan with Whitehills cash, and overpaid them at least, $540, the principle amount was for $300. My bank account was closed due to the high amount of NSF fees I receieved from PDL companies. (I am currently paying that off) My sister received a call from one of their collectors, and I was so embarrassed that I agreed to a payment plan. I have read many postings on this site of borrowers being over charged and the debt being settled as paid or receiving refunds from illegal lenders. I would like to know my rights as of now.

 

Cash call on my credit report (NY resident)

12 years 10 months ago
Hello! I disputed cash call being on my credit report (I live in NY and Western Sky originated the loan) equifax has not yet answered but experian won't delete it!!! Who do I go to? Should I call experian? Should I write a letter to them? I contacted cash call and told them I'll settle the principal valance but they won't answer.. please advise* Charlie

 

california payday loans

12 years 10 months ago
If I have defaulted on a payday loan, is it legal for them to report it on my credit reports?