Hi to all members, As you have noticed that I have changed the layout to render the right content instead of the menus to the visitors. Also it will help us render the pages faster as it is working with div-based design. Please let me know if you come across any problem as every change comes with bundles of related bugs. Thanks, Vikas

I got a message from some lady name Anna (904-685-5008) wishing me good luck...and ironically I got the same call from a guy named prince carter at united federal bank. From reading the posts in the forum, the mistake I made was sending them a fax stating the dates I would pay the debt prior to getting a debt validation, because my payday loan was for 300 and i'm repaying 700. I did get nervous when he started talking about cops coming to my job,and suckered into to sending the fax - though I did make a payment in full that day as he requested.

I have my letters ready to go out but i was wondering if i should close my bank account now so that they can not take anymore money out.

Collectors calling my mom for a debt that is not mine. I live in OH and my mom is in Tx.

Hi Elizabeth, Your payment has been processed and transferred to your paypal account. Here is the snapshot: We are thankful to you for your active participation in DebtCC forums and looking forward to some informative post from you. Good job :D Regards Vikas

just wondering are there loans out there that you can get without owning a house, or having a bank account? you think there would be since there are people withouth bank accounts and have jobs

Hello, I am writing today to ask for assistance with a debt on my boyfriend's behalf. In March this year he received a bill for about $150 from a past due amount with Sprint. The thing is, the account tied to this amount was only open for about a month and closed in 2001. He never received any bills or communication from Sprint or this Cavalry Portfolio Services place in Hawthorne, NY in five years. Then this March he got the bill.

How Do I file a complaint against Paychecktoday.com cant find the company in the bbb or tc services. any help?

Most of us here have had a tough experience dealing with payday loans. I was reading an article in the BBB website. The Better Business Bureau along with the Federal Trade Commission encourages us to consider other options before deciding on a payday loan. Here are some valuable tips that can be implemented on all of us. We need to shop carefully for credit. It is advised to consider a small loan from the credit union or a small loan company. If we have a healthy relation with our employer, we can approach them for an advance against our pay.

It is necessary for all the lending companies to follow the guidelines mentioned in the FDIC. As per the Truth in Lending Act, the banks engaged in consumer lending must ensure that accurate information is provided to the consumers. They are required by laws to disclose the accurate finance charges and APRs for payday loans. While advertising a loan product, the banks must follow the regulations mentioned in the TILA act. The specific credit terms should be clearly mentioned by the creditors as offered. The finance charge must state the apr along with it.