I heard there is a way to dispute with CAs to provide validation of a debt, I think or else they have to remove it from my credit report. Is this true? How do I go about doing this? I already have an updated credit report from all 3 credit bureaus and noticed some of them have been listed twice and I do not recognize some of them. How can I clean it up? Thanks!

I've spent the last 30 minutes in extreme frustrating in an attempt to login to this site...I've reset my password, I've entered my email and password numerous times and still getting the log in page..blank, this is not the first time this has happened. I'd like to cash in my points please, how do I do this?

So I get to work last night and check my emails from them and there's one that says they overpaid me from two pay periods ago and they are going to deduct that from my next check...to the tune of $900! They EMAIL me to tell me this on the friday night before pay period ends so I can't do anything about it! They say "if this will cause a financial hardship, we'll deduct $250 every two weeks til it's paid off, just sign the form and fax it back asap!" WTF! I looked over my pay stubs, and they are right. I changed jobs with a pay cut (long story!) and they continued to pay me.

Okay, this is for all those people without checking accounts. I have five payday loans which I can't afford to pay anymore. I am thinking about closing my checking account and just not having a checking account at all. I have been in trouble before with payday loans so I don't trust myself with a bank account. My question is: where do you go to have your check cashed?

I am 22 and in debt. I am wondering what I should do. I owe 13000 in credit card debt. I make the payments everymonth and they are over the minium but of course they aren't going down. Is there an end to this nightmare??

I guess my next question is which PDL companies are licensed in my state? Where can I find this info? Thanks for the help!

if i settle for one lumpsum payment how will this affect my fico score or credit report

Ok, I finally got ahold of an attorney to talk to about GC Services. About a month ago, I posted about a collector named Eddie who was calling my co-workers and telling them he's going to garnish my wages. Then about a week later, I got a bill for .01. (One cent.) I got ahold of a guy here in Columbus who specializes in collection law. I meet with him on June 2. We'll see how it goes. Anyone have any ideas on what I should bring with me when I meet him? Think positive for me! :)

I live in Delaware. I want to know what the laws are regarding PDL's in my state. Where can I find this info? I have tried searching using Payday loan laws in Delaware, but no luck. I know that a lot of banks and credit card companies are based out of DE so it doesn't seem promising that things that work for so in other states will work for me. Thanks for the help.

Can someone send me some information about T&C? Thanks.