I had 5-6 payday loans---I defaulted on these loans--guess I dont have to explain why--also, I am in between jobs--all were very nice to make arrangements except one---HE IS THREATENING A WARRANT FOR THEFT BY DECEPTION--i tried to make an arrangement but he said I have 2 days to come up with money--and i dont have any I really dont. I start my new job soon--gave him the date I could pay which is the 4th of august. But he continues to threaten. Anyone ever heard of this, what should I do??

My wife owes about $4500. in loans that are delinquent. Collection agency is now handling and we need strategies/help. Thanks

i was foolish, i know. i took out a payday loan from this company to help pay a dental bill in june. i have since closed my checking account and intend on paying this loan. i sent these guys an email asking they NOT call me at work. since i do not get off of work until 5pm, i have no way of getting hold of a live person. their offices are closed. lol imagine that! so i sent them a nice email asking for a mailing address and letting them know that i am willing to pay off the amount i borrowed $300 and their fee for renewing the loan $90.

Hi, well i didnt check the caller id in time till later i looked at my other phone. Well when the call came in all i said was hello and the machine lady said THANK YOU FOR ACCEPTING THE COLLECT CALL AND THEY HUNG UP. I then paniced and called my phone co. to make this complaint and they said i shall have a block for no or receiving collect calls. If my next statement shows a charge i will get credit. Well im in the process of joining t & c waiting on the contract to come. I have been 2-1/2 behinds on creditors and knew that number looked familiar and sure enough i do now.

just to let everyone know...about the satute of limitations..even though sol is good for 7 years...by law debt collectors can still call and ask for payment in full..they just can't sue you..statue of limitaions starts the last day you pay on your account.

Ok so here is the deal....I am going to write a cease and disist letter to each lender telling them to only communicate with me via the USPS. Then I am going to request a validation letter from each of them stating the EXACT amount that I owe. Then I am going to type up a payment plan for them, and in with this plan I will make small payments to each of them. My question is this, I am afriad to write them a check because I don't want them going in and taking extra money from my acount, however if I send them money orders, how will I know if they cash them?

Company/Individual reported: I.C.S. INTERNATIONAL CASH SERVICES I have read every message concerning ICS. Let's face it, we are all vulnurable when we are desperate. That is what they count on and prey on. I will never do it again. I applied for a loan from ICS and was given $200. There was no writen or emailed contract. The person I spoke to was asking questions and speaking so fast I couldn't understand him. He just said say your name and the date and like a fool I did. I only knew about the $89 interest charge and that was all.

I'll be in chat tonight from about 7:30-8....Come on in!

I think Im about to lose my mind! When I first signed up here the recommended company was a place called Delray credit counseling. I always try do my homework so I googled them right away. One of the first things I found is a website that had a list of "bad" consolidation companies to look out for. Ok already not a good sign. I hadnt called them but I guess debtconsoldationcare gives them your number? Anyway, I get a call with no one answering when I said hello. (from 877-329-5567 no name attached) I hung up immediately assuming it was a telemarketer.

Does anyone know of or have email address for MyCashNow and UpFrontPayday ???