as you all know ive been in alot of hot water and going thru a long process with payday loans who have robbed me of my money and almost my sanity....to all who have donated so far thank you...and again any donations for my sons surgery are greatly appreciated... iloveteaching- a special thanks to you for your huge donation and kind words

I was asked to repost this and let others see it thanks. :? I just received a call from 913-825-1200 (caller ID) or 800-351-8820 (number he gave me) and was threatened and told that I embezzled money from his company and he needed to speak with my supervisor in order to take care of this debt. When I would not give him that information, he said that I had 1 hour to come up with 647.50 or there was going to be a serious problem. He told me that I needed to call my friends and family and borrow the money from them.

I have a question. Do the original creditors (not the collection agency) have to honor the cease and desist letter? I have sent out certified mail (with return receipt) and faxed cease and desist letters to a number of companies and until today had not heard anything from them. Today, I got 8 calls at work from the same company (payday select) even after I have communicated with them that I was with T&C AND sent them the C&D letter. Should I re-fax the letter? By the way, I mailed out the certified letters on last Thursday and still haven't gotten any of the return receipts.

Anyone have an address or phone number for GW Financial or Iterim Cash, Ltd.?

You guys are so great! You have donated over 1000 points in an hour! Im so greatful! Because of this horrible bank ordeal with my PDL I have to come up with 500.00 to get my 7 month old sons SURGERY for the next month and cant afford it so any help is truly appreciated! You all are a god send :wink:

I know this is probably not the correct forum for this but I wanted to say thank you to all the kind people here. Everyone that has corresponded with me has been so helpful and informative. I would really like to do something like this with my life once I get straightened out. The more people I can steer away from payday loans the better. Anyway, again Thank you to all and may God bless each and everyone of you!

Is there a way to consolidate my secured and unsecured debt into 1 payment?

how do I get my free credit report

Does anyone know how long they have been in business?

I have made a few offers with creditors for settlements. I have paid these off and want to find out if this will help my credit or hurt it more? I am assuming I still have the 7 year period to wait until it is removed from the credit reports. Is this correct? The accounts I paid off were not getting paid and I sent letters to the creditors/debt collectors asking for a settlement. Any advise? thanks