Is there any advantage to using a non-profit agency to handle my "debt consolidation/settlement" versus using another agency such as one that hires a lawyer, has retainer fees, etc??

Is there anyone that can help consolidate payday loans

Does anyone know of this firm? Craig D. Hannah, New York jurisdiction as listed in NY State Bar. This firm has a rep calling work number DAILY from about 5-7 different numbers identified on caller ID only as "New York". I did a google search and found some seriously disturbing info about his attys mentors in debt collection practices. Its been about 2 weeks since the first call began. No letters for debt received and nothing even on showed up when a credit report was pulled. Any info is helpful. Thanks!

email address is Would like to settle the Texaco Account. Please contact me through email for settlement information. email address removed as per forum rules - Vikas

I need help with the following payday loan addresses: 1. Quick Payday 2. Paycheck Today 3. Xpress Cash 4. Cash Advance Network 5. GECS/CashDirect Now 6. Cash Transfer Centers Thanks in advance. I have phone numbers, but no one seems to want to give out addresses. Crystal

Is anyone aware of or has anyone previously dealt with The Freedom Point debt consolidation company? They indicated to me that they deal with Payday Loans. Please advise

Please let me know how I can Make a payment online?

I would like to know what effect debt consolidation has on a credit report. Does consolidation have a negative effect? Short term and long term effects? Will the monthly total be less than paying each creditor seperately?

This is included with my other payday lenders on my debt consolidation program. They are based out of Costo Rica. Should they be willing to work with me on payments through the debt consolidation? My counselor hasn't been able to get ahold of them yet nor are they returning phone calls. It states on their website that it applies to their laws as well as my state laws, which is Ohio. Can they try to garnish my wages? If so, is there anything I can do about it? Do they have jurisdiction to collect this debt legally since they aren't licensed in my state?

Has anyone had to write a letter regarding a dispute in an inquiry you see on your credit report? If so, can you please share your draft. There are some inquiries on my credit file that I don't recognize but I know they are hurting my credit score.