This morning I received a phone call at work from a woman (she incoherently mumbled her name and I was too scared to ask her to repeat it) from a collection agency called AS & Associates. She stated that I had taken out a payday loan in July (that I remember) and that my bank account funds were insufficient and could not cover the payment of the loan. She was calling me to tell me that I had to come up with either a credit card payment of $312 (for the $260 loan) or a MoneyGram payment, or my file would go to county court, where they would charge me and I would "probably be arrested at work".

I received a letter yesterday from Pentagroup Financial saying that I owed money to BJT Services. Does anyone know who BJT Services is because I have never been loaned money from anyone by that name.

Well can I can start by saying it isn't a very big amount... it is about 4,500 dollars all in all and I would like to take care of this situation. Most of these are credit card accounts from college and now that I am employed I would like to clean up my credit so I won't have major problems in the future please, respond at your earliest convience. Thank You, Schlonte' McGee

I have read on the site the 12 most popular ways to resolve credit issues. How do you get the insurance company to lend money off of your Life Insurance policy?

Hello everyone. I had recently received garnishment papers at my office. I submitted an Order for Installment Payments, and it was granted from the company's attorney that was handling the case. I was schedule to make my payments on the 5th and 20th of each month in incriments of $100. I have been adhereing to this and have even sent all of the money orders certified/registered mail so I could track them. Today we received paperwork saying that a motion was filed to cancel the payments.

I made an agreement with midland credit management, Inc. in February, 2006 to pay off my credit card debt from when I was in college. I accepted their offer to pay off half (4521.95) of the amount by paying $1808.78 up front, then $452.20 on the 7th of each month for six months (March 7-August 7), 2006. I had the amount automatically withdrawn from my credit card account each month.

What is T&C?

Has anyone had any success with T&C getting proposals accepted with GFS (GFSIL)?? I keep getting T&C to fax over proposals and I keep getting emails stating to set up payment arrangements.

I contacted T&C and they sent me a contract. They request that I pay an initial fee of $155, which they say is refunded to me. Is that true? Forgive me but I have hesitation because there are so many shady people out there. I just need some reassurance.

I have at least six payday loans. They are all on-line companies. I have no idea where to start to get out of this mess. I have more money going out than I have coming in. My credit cards are now through a credit counseling agency, but they don't deal with payday loans. What can I do?