I received a letter from NCA stating I owe $480.00 because of interest and late charges that may be greater than the amount stated of 480 and an adjustment may be necessary after the 480.00 is settled. Also stated I should notify their office within 30 day s of receiving the notice if i want to dispute the validity of the debt. If I notify them they will sent a coapy of the verification of the debt or copy of judgement against me. This debt is for a payday loan with Liberty Group LLC. I believe this loan was taken in 2011 around Nov but I have to verify on bank statemens.

I am 45. I have two beautiful kids and a wife of 10+ years. In about 4 weeks the IRS and state will try to start collecting the $63,000+ amount owed to them. We have no credit cards to pay off the tax debt, and will have no way of making the minimum amount that I am sure the IRS will expect after they review my financials. On paper I make a lot, if one doesn't add in the credit card debt, school loans from my wife, housing, schools, cars, and just plain cost of living. And we have no assets.

:confused:Need information on this claim and the Statue of Limitation on this claim. My e-mail is: [EMAIL="barrerafredy@hotmail.com"]EMAIL REMOVED [/EMAIL] Fredy A. Barrera

who are they they were on my summans

Hello, Thanks in advance to anyone reading this. In early 2009 I was unemployed and living with family so I had no utilities in my name. Someone opened up an account with ATT under my name/social which I just found out about when checking my credit. I called up ATT and told them about the fraud, filed a police report, and have bank statements to show my address. If I cannot fulfill their other proof of residency, I'm out of luck and responsible for the charges. ATT won't even accept tax returns as proof of residency! Is this legal?

I have been a customer of United Cash Loans on and off for the last 2 years. I am finally in a position where I am finally getting rid of payday loans for good. I already used this forums advice for Loan shop and got out a loan with them after I paid $1,575 for a $750 loan. I didn't request a refund, I sent out the email and when I didnt get a response and when I called in, they said my account was paid in full and I will not be debited on my next payday which is this Tuesday (7/31). Now, back to UCL.

I received a letter from a collection agency, Total Card Inc (TCI) collecting for LVNV Funding (Original Creditor - JC Penney). This debt is out of statute. My question is, do I want to send a debt validation letter or a cease and desist letter?

i want to pay some of which i owe but also have my service returned as well as set up a payment plan

This lender keeps calling me (Cash Call) and telling me they will come arrest me at my job if I don't pay. Im located in New Jersey. My son is a federal agent and told me that they can't arrest me for a debt. he told me that since they did that, i should tell them i will pay them nothing now, not even the principal. Is he right? He told me if i don't he's going to call them and do it for me and then get the FCC involved. It was a 1500 dollar loan that they took 500 away from first anyway. i paid 680 to it so far. if I do what my son says can i get in trouble?

Hi guys, Long time reader here, and now its time for my plan to take action! Four years ago I was going to stop making payments on my 30k of CC debt, but my family convinced me to "do the right thing" so I took my savings of 10k and started paying down my cards. Well, a few days later my engine seized and when I went to swipe for the bill, I learned that my credit limits had been lowered by the amount I had paid off. POOF, 10k was GONE. I was so mad.