Google caller ID Spoof. Some collectors use this. They might spoof a number on your cell phone from home, etc. in order to get to you. Buy a caller ID spoof, they are rather in expensive cards online. Call up the collector and make it appear that you are calling from withing the same office. LOL. Remember you are always dealing with what is not much more than high school students here. Tell them you'd like to come round and talk it over personally.

Here is a good one that sums up exactly the kind of companies you end up dealing with as well as the kind of shady people in their employ. I apologize for any spelling\gram errors, this is a little long, and the point is more important. I, in lack of my better judgement, and certainly never again, took out a small loan with ameriloan for $300. The process for getting the money was a little too easy and I can understand how people get into so much trouble. I lost my job about a week after I took out the loan, and you know where this is going from here.

So I signed up with T&C for my PDL's, which I am very excited about. Anyway, I have a personal loan out thru American General Finance which I am late on payments with. I didn't tell T&C about them because I was really focused on the PDL's,which is actually the cause of my tardiness in payment to AGF. I spoke with AGF today and was told if I don't get at least $300 to them in the next 2 days my account will be turned over to their lawyers. I have rec'd letters in the past when I've been late from their lawyer so now I'm scared that I will end up in court.

Do they only help with certain states?

I had some very scary phone calls in the past few days the calls were from a man his name is EW SteinhartI was wondering if anyone knows this person?If so could you please let me know.Today I got 2 phone calls from preligation, he told me he was pressing fraud charges a against me and he said that I was going to jail,because I stopped payments from coming out of my savings,they already have taken $1312.00 and get this tjm marketing and epayday and platinum v services are all the same place and they debit your account for each one not just the payday loan you have (one) thats why the money adds

How do I get in touch with t&c for help? Please someone help me

Hi guys.. Lately a big topic seems to be that if an online lender is not liscensed to loan in your state, and they never seem to be, then you are not legally required to pay them back. Do I have this right? Well, what about payday loans that have been sent to collections? Does this apply to them as well? I guessed that since the lender no longer owns the debt, then you are legally obligated to pay, am I right?

which cease and assist letter can I sent to a debtor after filing chapter 7 who is now harassing me about a kirby vacum cleaner that i no longer have.

Do you accept Canadian application?

Got this from the myfico website...There have been many questions lately about whether debt counseling/consolidation affects your score..According to this article, it does not!

What is Not In Your Score FICO® scores consider a wide range of information on your credit report. However, they do not consider: Your race, color, religion, national origin, sex and marital status. US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.