I have student loans and some CC debt that i'm trying to consolidate so i can get some lower monthly payments

Hi. I'm new to the forums here. I've been researching fanatically the past couple of days and have found a lot of helpful information on the web. Because of this I have been able to formulate a rudimentary plan of action for squashing my debt and rebuilding my credit. I just have questions now, about the finer points concerning debt validation, and what some of the account types on my credit report mean. I understand that with Collection Accounts, I can request that they validate the debt with an actual paper trail and, if they cannot demonstrate this, the debt goes away.

Hi, I need some help with some PDL's. On Monday, My first PDL went into default. As of tomorrow, my second PDL will be in default. (I have 2 PDL's for $500 each - they required me to put these loans into 2 checks - therefore I have 4 checks to them) Although, I have no money in my checking account - I cannot afford for them to start putting these checks into my account. And I am afraid that they will keep putting these into my account costing me enormous NSF fees. I felt that it was cheaper for me to stop payment on these checks.

Okay--most of you here that know me, know what I have been going through with wells fargo financial. I even made an updated post last week. Anyways, they have a lawyer 'collecting' on the debt right now. A lawyer that claims to be representing, 'north star capital' that is representing Wells fargo. so a collection agency collecting for a collection agency?? unless North star bought the account from wells fargo? anyways, the lawyer claims to be the 'collector' at this point.

I admit I owe who doesnt.But if you are unemployed and selling plasma just to eat how can you pay the debts??Im trying to find a job the job market is aweful in Indiana.However places like United Cash will not accept any type of payment plan Ive offered....You cant get blood out of a turnip if there is no blood to give!!

I paid some payday loans off that I owed and in paying a few more off all of a suddent the price seemed to jump hundreds more than what I owe. I sent a debt validation for them to verify I had to go car shopping over the weekend because my car bite the dust and then they showed me my credit report and some of the payday loans were on that. Can they do that.

Is it true that if a PDL is not licensed in a state, they cannot collect from anyone in that state? is that true? That is what I'm getting from most people on this website.

Hi everyone, I'm back with an update most of the internet places have been dealt with expect Sonic/Payday Avenue of course. Now I'm dealing with storefront places. Both called stating they would not accept my proposal with T&C. I've been paying T&C for about a month now. So what's next. Are the storefront places just saying that because they want me to pay. They also keep saying bad check when I talk to them. I'm scared now! Any advice would be helpful.

Last night, there was a small get together in the house next to mine. The music volume was very loud and I was very tired. I wanted to sleep peacefully, but didn't want to disturb them in their party also. So, I pulled all the pillows over my head and put cotton buds inside my ears. Today morning, I woke up with a twisted neck. I can't turn my neck towards the right. I am crying badly in pain. No massage or hot bag is doing anything good. I visited a doctor and he has given me some medicines. I can't take this pain presently. What should I do? :cry:

My grandfather got a credit card in the mail and he called the credit card company (Chase) and told them he wasn't interested in having a credit card and to cancel the account. Yesterday in the mail, he got a bill for $40.00 that has to be paid by the 25th of this month. He has already cancelled the card, how can they charge him this. What other steps can he take to get them to cancel. He is 82 years old and don't really understand how to handle these people. Any advise will be very much appreiciated.