Many people in the forums have done a lot of research into State licensing laws that relate to Payday Lenders and collection agencies.

Company/Individual reported: Jerry Maulden Since Nov. 2004, I have been sending money that could have been paying off my credit card, to MMG. Miracle Management Group Inc. Also on their letter head is Risk Management Partners. Neither returns my emails,Nor do they return my calls. Their web site has disapeared. 11/16/04 they sent a letter, that SAID Thankyou for choosing MMG to solve your financial problems. Now they are my financial problem. They moved. Maybe they are just outside the Dallas TX area.

Well here we go. They were quiet for a while but then all of the sudden - my payroll supervisor comes in here with this packet from sonic....she's saying legally they can take it from my pay...I sent the wage assignment to them via fax but never sent it certified mail. How do I handle this?

I need Certified Recovery System ph#. One published in YellowPages.com doesn't work.

Company/Individual reported: wfnnb WFNNB calls me up to 10 times a day!!! How do I get on your do not call list! I've had it!

I signed up w/T&C on Friday, but did some research into Texas law this weekend. Turns out that PDL lenders MUST be licensed in Texas to issue loans AND there are caps on interest that can be charged. I am planning to send the PDL pollyandsay's letter about their violation of Texas law and see if I can get the contracts voided since they are not licensed to loan in Texas.

How can I get my debt consolidated?

Hi all :) I sent a dispute letter to Transunion, regarding some "joint" medical bills that my ex never paid. I included a letter signed by him, that stated that he takes responsibility for the bills and that he agrees that they should be removed from my credit report. The letter worked, and 4 of the 6 accounts have been removed (not sure why the other 2 haven't been yet, but I'm sure they will be if 4 were). Anyway, now that the collection agency has been notified of a dispute, I have receieved *10* letters in the last week or so from them, asking for payment!

I know I have read the answer to this question somewhere,but don't remember. My question-Do junk debt buyers have to be licensed to collect in your state like PDL's? One bought my old Sears account,hasn't validated and am getting ready to send one more letter.They have also broken numerous fdcpa reg. If they have to be licensed,how do you find out if they are? Thanks guys :)

all my payments for credit cards and car loan are timely. can you reduce interest rates which run 14% on car and 26% on credit cards reduced to below 15% and how much are your services? I'm recently retired and have added $500 in car and insurance costs to a limited income.