My husband had a collection from 8 years ago (from Providian) turned over to MCM. We finally got the money together to pay it off and he called MCM and was told it was turned over to some Visa company. He called them and they wont even take our full payment, they want us to pay half now and the rest later, interest free. I don't get it. We just want to pay it off. They also said they will send us a Visa card (which we don't want). Does this sound right? We've never had a harder time getting someone to take our money.

I know I have seen posts on here about United Legal. Who are they? they have called me twice and someone named "Summer Winters" keeps calling and wanting me to return calls.

954-237-6824 I've received 2 missed calls from them on my cell phone the past 2 saturday mornings...who are they??!?!?

We have gotten several messages on our machine over the past couple weeks, all left by the same guy (very distinctive voice), but he's left three different names. Can he do this? He's obviously reading from a script, but he's said "This is Jim XXXX calling....." or "This is Derek XXXX calling" or "This is Andrew XXXX calling". It seems shady to me to keep leaving different names! Any input? Thanks!

I have seen people here mentioned a letter to Payday Ok requesting refunds. Will someone here mind sending me a pm with a sample letter you use for Payday OK? I am a customer with them for so long now (over a year)....I paid over 800 dollars in fees (interest and refinance) and I still owe them 512 dollars! I feel I have paid more than what my state of Indiana allows. Thanks for any help.

I read Clay's blog and really needed to add my two cents here. I used my state usury laws to request a refund or, request my pdl's get paid in full notations because: I have paid so much into them that I paid them twice over in reality. Some are almost one year old! When I requested a refund, I deducted the amount of the original loan and I even gave them the percent of interest that my state allows and then asked for the remaining to be my refund.

Company/Individual reported: allied interstate 1-866-383-5074 I have been harrassed by phone calls for 4 months now. Dally phone calls from Allied Interstate. I have hired an attorney to settle this harrassment It is always a recorded message. From Allied Interstate. They leave a phone no. 1-866-383-5074. I am also going to call the police. I owe Allied nothing. Not penny. We will go to court. You people at Allied are real phoneys. You will never get one penny. 954-596-8097 NEVER will I pay you a-holes one penny.

I remember as a child my parents filing for bankruptcy and arguing about money late at night. We lived in a small town, you know the kind where everybody literally knows everybody else. People would drop off bags of clothes, shoes and other things for us kids to help out. Needless to say we got teased by some of the kids at school for wearing their old clothes. We got through it and it made us stronger as a family. My mother taught me how to manage money when I was 16 by giving me an allowance of $5.00 a week (that was all she could afford to give) and making me budget it.

Good evening everyone, I'm preparing to send out a final validation request to a place out of Denver, Co. A local joint! They contacted me about a debt, I sent validation letter, they sent photocopies back. What they returned did NOT satisfy the request I sent. Just today, did I get another letter from them, dated May 17. Stating they have not recieved payment on said account. I am preparing to E-Mail them the following letter, using their website feedback form, with a printed copy being mailed out CM-RRR in the morning.

Hey everyone, Any of you take advantage of services provided by Hotels.com? If so, I have some news for you. Recently, one of their laptops was stolen. It was a random theft, and this laptop contained all kinds of credit card information on it. Now don't worry, the laptop is password protected, so not just anyone can access all that information, especially not the random thief. The police are searching for the laptop to date. Also, every credit card company has been made aware of this and will be monitoring all accounts for any suspicious activity.