Actually recieved a reply from Plaza Associates today. Regarding the DV letter sent a while back. They state, in part: This is in response to your recent communication. We have noted this file and will cease further collection activity. Accordingly, we are closing our file in this matter and will return this account to creditor mentioned. Any questions regarding credit report should be addressed to the creditor, listed above, as we DO NOT? report to the credit bureaus in any form or fashion. Persoanlly, I'm kinda surprised they replied.

Since I have such a big problem with payday loans, I have decided to not have a checking account. Can anyone give me a listing of some check cashing services?

I just read an article today that a PA state attorney filed against 3 loan companies. I forget exactly which three but they need to comply with some regulations in that state. Also, something about having the backing of a real bank behind them? Does anyone out there understand this stuff? How much interest can they really charge you. Do they realize they must comply with the law of the state that the borrower lives in? They should give you a cool off period before allowing you another loan, they should make sure you only have some many PDL's before giving you $.

Does anyone deal with "Shannon" at the Cash Transfer Center? She was very unpleasant towards me on the phone even though I was nice to her. I asked for her full name. She refused. She said Shannon is sufficient. I kept asking for her full name politely. She kept refusing. Why the refusal to give me last name?

Hi Everyone:)...I have a question which I have been wondering about for some time. Why are there 3 credit reporting agencies and why is my score different on each one? Thanks

If you find yourself hopeless with payday loans, this is what worked for me. To end this mindless circle of madness, paying fees upon fees, upon fees, this is how I helped myself when I saw there was NO way I could pay any of my pdl's off while paying the fees too............... First if you can open yourself a second checking accout with your current bank DO IT. I did mine online (internet) and it took 2 seconds since I was a current customer . Change over your direct deposit etc. to your new account.

Hi there- I wanted to get some feedback and/or advice on my current situation. Almost three years ago, we traded in my leased SUV a few months early. We paid off the remainder of the lease. Then a month or so later, we received paperwork billing us for an early turn-in fee, along with astronomical fees for "bug damage". The car was not "showroom perfect" when we gave it back, but it was in very good condition. Yes, there were a couple small scratches, but the car was 3 years old when we turned it in.

This is me, sapphiredreams. I am having problems logging in. Every time I tried to log in, I see the top saying Welcome M R but I am still logged out. Is there a technical difficulty?

Hi everyone, I'm a first time visitor on this site....I need help.....Any suggestions on debt consolidation? I am tired of beign scared of answering my phone....I have debt collectors calling me and demanding thousands of dollars....I just can't do that....I am willing to make payment arrangements but not what they want....can they legally sue me for this? Like I said...I am willing to make payments...I even had one tell that they were going to report me to the IRS (a form 1099-C) - what is this? HELP :(

First time post. Hi everyone, I am going to be a dedicated poster on here. And I want to know Absolutly everything I need to know on how I can settle my debt myself. I was wondering what my first step should be. Brief background... My wife and I currently have 4 Major credit cards with total debt around $18,000. Have always paid mimimum balances on time. But, we just can't make it anymore. Do you think I should stop payments as of June 1st and start sending out letters to All 4 companies, or what?