Okay, I need some advice; I am freaking out. I have over 15 payday loans currently outstanding with a variety of different lenders (online and storefront). I have been a regular payday loan user since 2003. At times, I have been a very responsible user, but lately, it is getting out of control, to say the least. I am desperate to get out of the cycle once and for all. I do not want to enter a debt consolidation program because several of my friends have used them and none have been satisfied with the results.

I am having an issue with WC and they are making me paranoid as hell. I just got my disability certificate from my doctor which states that my disability began on 12/21/05, so I will be getting back pay (hopefully) from then. That is a good thing. HOWEVER, I found out that an "investigator", as she calls herself, has been going ot my ex's house looking for me. She left a card. The second time she came by there, she said that she wants me to give a deposition regarding my injury to "get the story straight" and so that I can be compensated for my injury.

I have made an effort to call all of the creditors that I owe money to and set up monthly payments with them that I could afford. Unfortunately, they are now all with collection agencies and they are telling me that what I am offering to pay is not enough. They say I can send in whatever I want, but it won't stop them from moving farther with action against me and possibly legal action. I don't see how they can deny me of making a payment. I am trying the best that I can. Any suggestions and can they do that?

A friend of mine sent me this link. the site ahs some very useful info and covers alot of the stuff we try and tell people... http://www.consumerfed.org/ check it out

My sister inherited a lot of money through her marriage from her father in law. She was on disabilty before she inherited the money. Well they found out she inherited lots of money and decided to take her disabilty check, and her medical card away from her. Now she is 15,000 in debt due to medical bills and the collection agency has decided to put a lien against her home to pay for these medical bills. She spent her inheritance, or should I say her husband did, but the collection agencies are going after her home. If she puts her house in soley my name could they go after me?

Hey guys I recd a ltr from Quikpayday today. The ltr stated they marked my acct pd in full. But said nothing about a refund which they do owe me. Should I just be thankful they marked it pd in full & leave it at that, or should I pursue the refund. What do you all think? I was interested in knowing if when other people have recd ltrs from Quik do they state in the ltr they will be sending a refund, or did they just state account pd in full & then sent a refund. Sorry, probably just wishful thinking.......

I just had yet another call at work claiming to be an investigator. I held my ground and told him I was going to record the remaining conversation and was surprised that he said to go ahead and proceeded with talking. THEN, however I interupted and said, EXCUSE me while I turn the recorder on and put him on hold. TO my surprise he hung up on me.... WooooHooooo

I recently disputed some information and now I have been notified that I have a consumer fraud alert on all my credit reports. This was not initiated by me and I called Equifax since I couldn't reach Experian and was told that because I disputed information, it issued a fraud alert on all reports which could affect my chance of obtaining credit or credit increases. Has anyone gone through this before or is it common practice now to issue fraud alerts after disouting information? Thoroughly confused.

Just wondering if anyone has sent "the letter" to ameriloan. If so, what was their response re: writing off your balance? They are on my T&C plan, but haven't heard any response to my letter. I sent out "the letter" to all my PDLs the same time I signed up w/T&C. So far, all but one of them have zero'd out my account...and that one reduced my amount to $100, payable in two monthly payments. The letter has brought me nothing but good results...

I need an address Geneva-Roth Ventures that is not a PO Box. Anyone got one?