Hi. I have a question. I sent out letters to the creditors on my credit report stating that I wished to pay the debt. I haven't heard from any of them. So now what? The debts are pretty old, going on 5 years. I sent everything certified mail, so I have proof that they recieved the letters. Any suggestions on how to get these negative hits off of my credit report. I also asked them not to contact me by phone. Only to use mail or e-mail. MCM still keeps calling. Any advice? Thanks!

Just in case anyone else out there nis from Virginia, here is a link to the Virginia Payday Loan regulations, I know from reading this that all 4 of my internet paydayloan lenders are in violation http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-459

Help!!!! I came across this site while searching google about defaulting on payday loans. I have 5 of them 4 of which are Internet Companies (TenDollarPaydayLoan, MyCashNow, GWFin.com, UpFrontPayday) and one store front lender (Advance America) All are in good standing, however, its been a spiral downwards. 3 years ago it started with one pdl, which within 6 months became 2...then 3, etc. All get extended which results in tons of extension/interest fees.

Hey Everybody I need advice. My cousin got a letter from these people and they are threating to take her to court. We live in WV I think this was for GMCard which had a credit line of 100 0they say she owes 3302.27. She cannot work draws SSI for a crushing injury to her back and also has a mentally impared child. She did not declare bankruptcy because she couldnt afford the attorney. What legal rights do they have in WV? She is so scared. I told her you all are great but she cant afford the computer either. She draws around 1000 a month for her and child. Thanks KYSIDE38

I first posted here last week. I have 4 storefront payday loans out totalling over $1800. ALL are payable this coming Friday. I did the workup online with T&C and included another couple of small bills that I have outstanding and that said I'd pay $340 a month (that included the $39 monthly fee) for the next 9 months. Problem is, that is too much for me to have to payout per month and I will end up in the same cycle all over again. Does anyone know what else they take into account when deciding what you can pay each month? That was very discouraging. Thank you, Amy

allied interstate notified me that I owe CHEVRON $200.00 on my credit card. Who do I pay and how do I resolve this. It is on my credit report.

Does anyne know who this number belong to 678-486-1027? Thanks!

how do i make payments online

These people purchased an account from Verizon Wireless that I already paid off. How can Verizon even sell an account that was paid off? I still havent recieved a recipt for the payment but I do have it in my bank account records. How can I clear this up? :?: Verizon says that they cant deal with the account anymore after it has been sold. Can they do that. Can they just not send me a reciept? Please help anyone.

If we go with a loan consolidation will be able to keep 1 credit card for emergency uses? We do have a debit/credit card also - will that be taken away as well? This whole process scares me to death. Oh and the person who posted as being new but wasn't signed in so it says guest. DUH.