I heard originally from LVNV who bought my Sears avvt in 1-06. To make a long story short,it was passed through their many different offices,with the same result. Will not accecpt payments,abusive.etc. The las one was Phillips-Cowen. I sent DV letter 3-20-06,no response,sent another one 4-30-06,still no response. My question is,I do not want a judgement,so should I send a letter with a proposed payment plan to see if they accept? I was Thinking that if I did,if they take me to court I will have something showing I have tried to make arrangements.

Company/Individual reported: riscruity in april i had a brief conversation with a riscruity agent from work. she would not tell me her name. i let her know that i could not take personal calls at work and i gave her my home phone #and told her what time i would be home to make arrangements. on may 1,2006 upon going to the bank, i find that riscruity had collected the money i owed and some.

Here is the letter I received. Feedback is needed because I want to reply to this. Please note that I lived in PA when i took out the loan and moved to New Jersey. Laws are the same in both states (PA is even better) We did recieve your fax. Unfortunately you signed a contract under the state of New Mexico that is the reason you were issued a loan. We do not do business in the state of New Jersey. We are in compliance with the state of New Mexico. And that is why the interest is that amount. Please contact us with any further questions.

Hello, I live in Ohio and I am trying to help my mother relieve her payday loan situation. She got into a bad financial situation about 1 1/2 years ago using payday loans. She started with about six and over the last year we have been able to pay off 3 of them. All of these accounts were opened at Payday Loan stores in Ohio. Recently her job closed and she's not able to keep paying like she's been doing. She can pay something on all of them but not the full amount. What all would you recommend we do? I really want to help her get rid of these last 3 payday loans.

Company/Individual reported: Credit Protection Association, Noell Rd, Dallas TX This company is almost invisible. Query them on Google and they show up, but you cannot reach a valid website. I overpaid them due to an error, and they refuse to give me my money back UNLESS I provide them with my complete bank statement. Having been a victim of identity theft already - I will not just hand over my bank information to anyone. They demanded the whole statement. How ridiculous and now I'm out another $55.00

I just want to make sure that I understand. Once an item has reached the SOL and falls off of my credit report the agency can not collect the amount from me? I am trying to clean up my report and want to pay the ones that are going to make the most change in the near future.

If a collection agency does decide to take you to court and sue you, what happens if they put a judgement against you? What exactly does it mean and what happens to you?

in a big mess with credit cards. Was doing ok but became ill and went thru alot of medical test,have no insurance got behind now have a daughter(19)who's pregnant trying to keep her in school with no help. what can i do

Hi, I found this website doing a search for United Cash. This company appeared on my credit report, but I do not have any contact information other than address: 6161 Savoy Dr in Houston, TX. I do not recall having a payday loan with this company, but it states on the report I owe them $600. I've disputed it, but it remains there because they say it's a legit claim for collection of funds they gave me in 2000. Would anyone be able to help with info on these people? :?:

Please assist! I have 5 payday loans going. The intent was to borrow from one & pay back the other, but between paying back creditor & monthly bills, someone taking money out of my account from Romania, I've become quite overwhelmed & in need of some seroius finical help & guidance. Is there a company that consolidate payday loans? Please help me if you can. Thanks!