I have these attorneys calling my sister and me threatening to take me to court and press charges against me. I completed a payday loan consolidation plan almost 4 years ago Now I'm getting these phone calls threatening me they will come serve me papers and take me to court I paid all my debts off and now I've had 4 calling me I was so scared I have paid 2 already and I'm paying another one I can't keep doing this can u give me any advice I don't have money just to throw away Help!!!!!!!

Hi, I live in Wisconsin and I have 2 payday loans and one installment payday loan. zip19.com $450 checkintocash.com $400 installment loan zestcash now known as spotloan I'm wondering if they are legal in Wisconsin. Thank you

they said they were closed i could call between 9 and 5

Just want to know if filing for bankruptcy will affect my TSP (goverment retirement plan)? If so, do you know how? Thanks!

There has been a debt haunting me for the last 13 years. However, on the credit report it states that the loan became delinquent on March 2006 and major delinquency Sept. 2008 (I'm not sure if that has to do with them selling around this debt). They also keep reporting the debt, last date being April 2012. I am trying to fix up my credit but I'm not sure if I should just continue to ignore it, send them a statute of limitation letter or call them to set up a payment plan- none of their offers have been too "offering".

Since the mortgage and heloc accts. were discharged in BK7 I now have the opportunity to walk way from the house and try to buy another one. Our BK7 has been 4 yrs. now. What I'm wanting to know is it best to just walk away from the payments since we are current or possibly a short sale? And does a short sale affect my wife and I in the aspect of repaying the deficency if there would be.

:rolleyes:I have been getting calls from and "UNKNOWN" last week i answered and gave the person my info for my bankruptcy atty and told her she needs to stop calling me now and she said "i'm gonna keep calling you til you pay your damn bill" nice right?

[COLOR=black]date [/COLOR] [COLOR=black]Hi, my husband is planning to file bk (chap.13) -- without me being all agree upon. I do not want to be part of it ...and he is also told by attorney that I don't need to partner with him in filing. But, I am concerned. We do own a house together and also on many credit card i was using that as well. Now, I would like to stay out of this since - I am student and hopefully soon I will be looking for job.

I am a widowed mom of a teenager daughter. I am disabled (not legally yet, however, because I collect SS from husband death benefit, which will end next year). I own a home (mortgage), lease my car, and that's about it. I have about $12,000 in credit card debt, however, I can't pay it each month. My health insurance, mortgage, car payment, real estate taxes, etc., are killing me, and I don't earn much else on my own. I'm debating if filing chapter 7 would be wise to do. It won't solve all my financial problems, but will help with a few hundred each month.

So I sent off my retainer to Town and Country. I have already started to see some results, and I just sent things off on Friday. First, they told me to go ahead and have my creditors call them. It felt so good to tell Advance America and Quik Cash to call T&C instead of having to deal with them myself. I guess my question is...we were going over some of my amounts over the telephone (me and the nice girl from T&C). She said that I owed Zest Cash/SpotLoan $200 and that it had been verified by the company. My loan was for $800.