Is anyone available to provide that information? I am looking to consolidate all of my bills and payday loans, and not have to worry about creditors beating down my door anymore. I, hopefully, am on the right track to the financial freedom highway. Thanks.

I just found out with some searching that payday loans are not legal in NC How does that help me considering I live in NC and I have 7 of them

I had to close a bank account because of identity theft. There was over $1300 in NSF fees that snowballed because of the fraudulent activity. Meanwhile, while this was happening, my direct deposit when in to my account and it was totally wiped out. I spoke with a lady with the bank and she took care of all of the NSF fees, so I am not responsible, but I have yet to receive my deposit back. I keep getting told that there is not enough paperwork. ???? They can get rid of $1300 in fees, but cannot get back my deposit? I don't know what to do. I am the only one in my family that works.

Is there any websiter you can get a free credit report with all three companies and your credit score without having to use a credit card? I have one credit card my check card from the bank and I don't want to use it for this. Is there any free and I mean free credit reports you can get on the web without credit cards?

I am FINALLY going to get out of the payday loan trap FOR GOOD!!! Did a payoff of some last year, but never totally broke the cycle. This is it!! I have moved my direct deposit to a second checking account and closed my bank account at Bank of America today. It will be closed permanently as of midnight! I am going to send the retainer fee to T&C when I get paid on Friday.

When I'm sending a validation letter, should I ask for proof that the collection agency is licensed in my state? I thought I read somewhere that collection agencies must be licensed in the state they are attempting to collect the debt in. Also, do I go into detail? I received a letter from a collection agency today, for an old Blair account. I had called them repeatedly because they didn't credit a $195 ring back to the acct. Then I said fine, I won't make another payment until you remove the charge.

I sent a letter to the Carson City AG office about a week ago. While I was out in Wisconsin attending to a family emergency, He called and asked for more information. Surprisingly he stated that the problem with the company I complained about was that they had a license to do business but this was taken away some months ago for bad business practices. I received a letter from the AG that was a copy of the one sent to the company.

I was just wondering who else on this board is around my age. I'll be 25 this year. I pretty mad at myself right now. I can't believe my credit situation is so poor and I'm only 25. I got my first credit cards when I left for college (18). These credit card companies bombarded us with offers and even free stuff. If only I knew then what I know now about CC's.....

My question is what do you do when the house is sold for less the is owed on the mortgage?

This is dedicated to all who are dealing with these payday loans...Don't be afraid of them...All it takes is a mention or two of your state's atty. general, and they'll start backing down. Last night in chat I mentioned that when PAA went to take my final payment, they took an extra $60 from my account.