According to National Association of Consumer Bankruptcy Attorneys the new bankruptcy law could not meet the expectation. Credit card companies and banks spoke for this new law as they thought the changes will catch deadbeats red handed. That is the reason credit counseling was made mandatory prior to filing bankruptcy. But bankruptcy attorneys are of opinion that the new law has made it harder for those who have no other door open to avoid bankruptcy.

Do you consolidate payday loans?

Hi I was just wondering if anyone has used Coleman Law Offices for debt consolidation purposes. they are located in Deerfield Beach Florida.

Hi Shirley, I just could not stop myself from getting your attention in this thread. You look wonderful in this snap. If any photographer sees your picture, he will offer you a portfolio. How are you? Didn't talk to you for quite a long time. I also feel great that you are taking care of the community in the same way like I used to do. I can imagine people getting help from you in the same way like you used to feel when you were new here. Also, I have seen many new valuable additions here. JJ, Mary, Mishele, Virginia law defense, david, john, and many more..

I heard from the Attorney Generals office in Illinois today and they are requesting a formal statement from the harasssment we received from John Smith. I hope this is a good sign. After I get done filing out the statement, I have to get it notarized and mailed back ASAP. Could this be the starting of the end for 1st Credit of America?

I have been receiving calls from a company name United Processing telling me I owe $730 and if I pay $100 now I can pay the rest in two installments but if not then the authorities will be at my job. I asked the person I spoke with named Ashley Davis to fax me a copy of what I received and how it accrued to what I owe to date despite her threatening me she said she didn't threaten me but I asked her to send me what I asked for and hung up on her. I am going to call her back and inform her not to call my job anymore and if she do I will be recording the calls from now on.

I have received 10 calls today from these people. The number that shows up on the caller ID is 615-309-6017 & 615-370-0412. Each time they call they keep telling me that we have been approved for a house loan that we applied for on the 10th of January and we haven't even looked at a loan of any sort. I tell them this and ther response is, you had to of for us to get the information. They wouldn't answer any of my questions and one of the questions I asked was what is our physical address and Bruce responded he couldn't give me that information over the phone do to the privacy act.

Hi all. Great forum you guys have! I have a question. If you dispute an item on your credit report and they remove it because the collection agency cannot validate it. Can this company then sell that account again to another CA and then they put it back on your report. If they can, how so? If the company they bought it from could not prove it was legit how can a new company with the same infor or lack there or, put it back on your repot. Do these credit bureaus not require some kind of proof before putting it on your credit report? Thanks!!

When I posted earlier about my debt with LVNV(Sears),I may not have made myself clear. We opened this account in 1982 and made purchases. We have not made purchases for at least 15 years, but because of making minimum payments(lesson learned) and horrible fees and finance charges, we have been making payments all these years. And yes, we were late and skipped payments(another lesson learned) but have been paying all these years. The last payment to Sears was 12-05, LVNV bought it late Jan. 06.,and are threatening wage garnishment when they get a judgement. Hope this clears this up.

Hello All, you all have been very helpful in the past so I am polling for more assistance. I have already contact T & C and will be working with them - I have several walk in payday loan companies that I have been working with - I have been paying them with no problem but feel that I am losing most of my paycheck because of the fees - I have included them in the consolidation, however they have a paper check that I have to leave with them to "rewrite" for another loan, so they have the authority to take the check in and cash it (or get a cashier's check) - how do I handle them.... :?