I was recently contacted by a CA at work about a charged off account. I explained to the collector that I would could make a $1,000 payment, but beyond that I could only make payments. She said that long term payment arrangements were not acceptable, and that I should try and borrow the money for the full amount owed (she quoted me an settlement offer of a bit less than what I owed), and asked me to call her back. I called back and got a voice mail.

I had taken a payday loan out in december 2005 for $250 and they have been debiting my savings account until I just stopped payment on it last week,now they called me today saying they were going to file fraud charges against me and get this they said do you no MARTHA STEWART I said yes and they said you are going to prison just like her,they also said she is a celebrity and she did'nt get off,what is so funny she did'nt have apayday loan.They have taken $150 each month since dec.2005,I believe they are already paid,Do I need to worry?

Could someone please send it to me? Thank you!

Hi guys. This sounds so corny, but I have to thank you guys. Today is the one year anniversary of my dad's death, and I am having a very rotten day. I couldn't wait for my computer time tonight, so I could come here! You guys have been great this past month and a half, and I feel like I have a whole bunch of new friends. Thank you so much, and it's so great to be here. This is the last time you will ever hear me be quite so sappy, so pat yourselves on the back.

where is the head quarters located?

I just want to thank everyone on this site. I have called T&C & can breathe now. I really had no idea what I was going to do until I found you guys. I cannot express the gratitude I have. I feel so stupid for getting myself in this mess in the first place. I am glad to know I am not alone. I have bookmarked this & will read faithfully to see if I can help anyone in the future. YEAH T&C!!!! They are awesome.

im in a bind with my credit. i have credit card bills, medical bills, a student load, and other misc. unpaid items, and i havent paid on anything in about 4 years. it all stems down to me being irresponsible. my question is, ive been charged off by the majority of the collecters, and everything will come off of my report by 2008, except two items that go off in 2011, which i could pay for. so should i just pay off those two and wait till '08?

Once all the payday lenders find out that I've consolidated and they start calling me. Will they also call the references phone numbers as well? These were internet payday applications that required references. Just wondered what experiences you all had? :roll:

Pretty excited, I bit the bullet and called some creditors,upped my payment and will have 2 more paid off in 3-4 months!! Ya Now I can finally see the light at the end od the tunnel. How I was able to up my payments was this: called my car insurance,dropped full coverage on one vehicle that was not necessry,nor would it pay,to have full coverage. Got my home insurance with auto insurance,saved me more money all around. With this "extra"from my insurance savings,I upped my payments on 2 bills a little,but that little will pay them off faster.

Made big mistake 11/05 was talked into settling a $400 medical bill for $300 payoff. Now 03/06 credit report shows $100 balance to differant collection angency. Here are some fact hope someone can help. 11/05 Received 30 day LTR from Law office listing an old CA that had been trying to collect for a few years and original DR/bill agent. Was mine I hope. Called Law office REP said if I settled today for $300 he would send me payed off letter. I wanted it first but made mistake. 01/06-03/06 Have been calling Law office to get paid off ltr with more promises.