Hello, I received a call at work from George Peter at United Federal Bank (Tel: 908-212-3726), saying he was calling to collect on a payday loan I supposedly had from Electronic Payment Processing back in April 2005. This dude could barely speak English, and was clearly reading from a script on how he was collecting and expected me to pay $685 by 11 am.

I have several accounts which are being reported by two different agencies. I know that I have to figure out which one actually owns it but my question is this. The first reporting agency is almost out of time (been reporting for about 6 years) now the second agency is on there they claim to have the ability to keep reporting for another 7 years? Can the same one be extended past 7 years just because it is with a different collection agency?

Does anyone have a physical address for QuickPayday. I need to send them a letter but I cannot get their address from them

What is a legitimate payday loan company? I live in Texas and one of the places that loaned me money doesn't really operate as a payday loan company per se. They lend money like any other payday loan company, but they tell you up front that they are not a payday loan company. What they do is the offer you land or tracts of land. When they "loan" you the money, you are expected to pay it back like any other loan company, but you are supposedly an investor in a tract of worthless land that you'll never own. Now based on what I read last night, this is illegal in Texas.

I received a letter that i owe 410.96 from what explain it to me.

would you ask for a settlment on a credit card and would it hurt my credit?

832-814-9997 I googled it and this is what it says on the white pages, reverse number The phone number "(832) 814-9997" is a Houston, TX based phone number and the registered carrier is Aerial Communications. However, due to number portability, some numbers have been transferred to a new service provider other than the registered carrier.

I have over $12,000 of credit card debt that I accumulated between 2003-2005 on four different credit cards while living in FL. I was laid off in 2003 and have been freelancing as a graphic designer for the past two years, barely making enough to pay for basics like rent, food and clothing. I moved to Venezuela for a job opportunity and no longer live in FL. I haven't made a credit card payment since January 2005. I have no money & no belongings aside from a used car ($300) that I purchased to get around in Venezuela. I don't plan on going back to the US until 2008.

Can I get rid of a student loan?

I'm new to this board. Can someone explain what this "points" thing is all about?