I was doing very good on payments till I got laid off my last job back in February, went to a breakup and had to move to a new apartment. The downpayment, first month, and getting some furniture left a dent on my savings. Ive been working for two months now, I make 400 a week net. I pay $520 rent, I have a cell bill and if given the oportunity to consolidate my debt I can pay up to $300-$350 a month. My debt is just about $5,000 i have proofs of all the balances, I would just like to be paid off and re-build my credit now that i am in a lot better shape with work.

I applied for a loan with this company and the lady that I have been emailing back and forth does not want to help me out. Her name is Amy Herman. I want to set up some kind of payment arrangements so they can stop debiting my account because I can't afford the bank charges. This lady said in her email that they just can't stop the debits and the debits will continue and I will keep getting charged the $30 NSF fee. What do I do about this company?

I applied for a $200 loan in May and so far I have paid $316 in finance fees. This company is still debiting my account. On yesterday my account was debited for $158. This company debits my account every 2 weeks and they charge $79 each time to renew the loan. I have no money to pay them back and my bank account is in the negative. I feel I have paid back the loan in finance fees. Any suggestions on what I should do?

An electronic debit came through my bank account yesterday from Geneva Roth Vent. Does anyone know who this is? A collection agency? If so, for who? I have not knowingly given authorization for such a debit.

well, its simple really.. I go to college, I have a fulltime job doing business sales/consulting at BestBuy, and my debt is towering over me. My parents pay for my tuition, but I pay for my rent, car, insurance, books, etc. I just want to know how debt consilidation can help me, and how it will affect my credit score as well. I'm best reached by email at [color=red]Email removed as per forum rules-Mike[/color] (thats different from what I've provided at time of signup).. my cell phone number (the one I've provided) is a last resort way to reach me. Thank you!

Hello all. I was recently dealing with a collection agency for my wife, and got conned into giving them an electronic postdated check. It was a settlement deal, and they did send me an email with a letter confirming the deal, I just am wondering how much danger I am in. I don't use that account for anything else right now, so I'm not worried about them getting the paychecks I deposit. I just want to know how bad they are going to screw me over... Any help would be appreciated :)

I just realized jimmy buffett wants to know the same thing(I must be wasting away again in Margaritaville) but does anyone know if you have a charge off acct. removed from yuor report about how many points should your score go up. I had a $24 charge off collection acct. error that is being removed. I heard it coudl be up to 30-40 points. Does anyoen know if that is true???

How many points do you think a Collection/Charge off acct. is worth on your credit report?

I just received this email from Interim Cash Limited. [quote]Dear kbluvscats, We are writing to advise you that as an existing customer, you are now entitled to take advantage of our new LESS and MORE Scheme. LESS means that if you take out a loan your regular payments will decrease by $5 each Payday should you need to extend the loan. This goes down to a minimum of $35.The MORE means that when you take out an Additional Loan we will increase the amount that you are able to borrow by $25.