If somebody can pm me some info. on how to contact t&c or any other companies that consolidate pdls I would greatly appreciate it. Also how do they work? From what I gather you pay them a retainer and then they negotiate with your creditors. Do they get back with you about the offers? Do you still get collection calls? Thanks for the info. everybody! This site is a blessing.

Hey everyone, I guess at this point, I'm not sure what to do about my debt. I currently have $11,000 in credit card debt (which if I got paid off, I would be fine)....$35,000 in student loans, and a $16,000 car loan. I have programmed in my collections companies as "don't answer" and set the ringer to silent on my cell phone - I know avoiding isn't a good way. At this point, I just got a new job and I'm making a little over $32,000/year ($900/2 weeks).

What companies go under Global Financial? I had their legal dept contact me, the lady was far from nice...saying they are out of Utah and use those laws. I'm not familiar with all of this legal stuff on these payday loans so I'll admit, she made me a little nervous. I'm not sure where to go from here. All I have for this lady, who has told me that she is not in Customer Service but the Legal Dept. I'm in the state of Texas, someone please help me on how to respond to this please!!!! Thanks so much!

I have quite a few negative items on my credit report. Most of these items are actually my ex-husband's debt - he opened several credit cards and well as a 2nd mortgage (on property that was only in his name) in both our names (had his girlfriend "sign" my name without my knowledge) and I didn't find out about this until we were already divorced, so none of this was addressed in our divorce decree. He didn't pay any of these debts and he declared bankruptcy about 3 years after we divorced.

If your payday loan was done over the internet, please do not do anything about making payment arrangements or any thing else until you call your state's attorney generals office. They can advise you of your rights and what can be done to make these "people" leave you alone.

If a collection agency is found to have information that is inaccurate, do they have to delete it from their system once it is resolved? I dont want the agency making anymore mistakes or hits to my credit file that are not authorised and do not belong to me.

this comment is about paid in full letters from palisades,what much is there to say about them , palisades dont send any, its very much true, if you were to pay your bill with palisades and pay it in full , than ask for your pif letter , they say theres a policy wich is a lie, they say that you will have to wait 45 days to get official paid in full letter but tell youn they can send another letter instead called upon clearence of funds letter, all that letter states is that they r upon clearence of all funds and and that your waiting on a paid in full letter, well let me tell you what they do,

I filed for chapter 7 bankruptcy back in 1996. A car finance co. Filed a judgement against me earlier that same year, 1996. I purchased a home in 2004 and now i'm being told that there is a "unreleased lien" on my property by the finance co. I this legal? I included them in the bankruptcy.

im an ex employee of palisades and like to share a little somthing on palisades and how to get over on them. 1st.if you have a bill with them dispute it, this works especially if you areb going for a loan on a house or somthing. 2nd,once disputed they as a collection agency and as the law they must DELETE the tradeline on your credit bureau rept. 3rd. a week or 2 later go for your loan and this shouldnt have a bad marking on your credit bureau becasue it should have already been deleted,thats one way to get over on palisades and still getting what you want without having to pay them.

Need advise-Pinnon Management I was making arrangements with Pinnon on this loan and all of a sudden they went in my account and took 2 payments of 81.00 I did not authorize I closed my account and called them and told them I did not authorize these 2 payments he screamed at me on the phone saying yes I did I told him I authorized the ones in the past but not these he is calling me work every hour I sent Pinnon a debt validation letter. Any advise what I should do?