Hi Folks, I felt anxious to take some time out from the other forums and relax here in the pub. :D I am curious to know how you all will be spending time during Christmas and New Year's Eve. I want to take a break and can't really decide where to go around? Now, it's your turn to suggest me where should I spend my holidays. I am waiting to hear from all of you. Friends, please plan my vacation. Help!! :D Curious- Roxette

Does anyone know who afni is or who they may be collecting for? Their number is 866-857-7209?

Has anyone heard of Zero CC Debt? Any feedback? Thanks txex

Had a payday loan place (Zipcash) call and want to debit my new bank account $345 for an original loan of $200. Payment was due 12/9. They are willing to take it in three payments. I asked if I could send MO. They said in the contract I signed they will only debit my bank account. I believe in the contract it said I could send a MO. I've looked and looked at my email and I have no copy of the contract! I never signed any ACH authorization and they want me to sign one with my new bank info and fax it back. I know I never faxed anything to them.

Okay...allow me to provide a brief explanation of this situation. My fiance received a summons commencing a small claims suit against him by a law firm for a credit card he did not recall ever having. Since then, he has been presented with a copy of the application for the card, which appears to be signed by him. He no longer disputes that he once held the card, however, he is not being provided any proof of purchases made or charges/interest incurred due to use of the card. I just called to the law firm and requested a validation of the debt.

Lets start at the begining... I was out of work for 2 months and had no income... Them a month or so after I started working I crashed my car... No the bills are adding up big time... My bills are: Capital one (behind) Sallie Mae X2 (behind) car payment (on the crashed car, current) medcal bill (behind) cell phone (current) personal loan (current) Best Buy credit (behind) Yes that is x2 for Sallie Mae my parents are making me pay there half of my studen loan and that is behind too... I need to know what options I have to help get rid of these debts.

Has anyone heard of 1st Credit of America? They continue to call me and tell me that I owe $280.00 and they say it is for an adult website and I don't even have internet. I asked them to validate and they said they don't have to. They said I need to pay "or else". I don't know how to make them stop calling they sometimes call 3 times a day, weekends included. Any other info would help. :o

Hi--I am new to this forum and just ran across your discussion board while looking up Taylor james & Associates on the internet. I received a call from them the other day. After 4 tries at calling back an Andrew Edwards, I finally got the chance to talk to him today. He says that I defaulted on a $200 internet loan from Whistler Holding. I asked if he could please send me something in writing that proves that this debt is mine.

You referred me to counselor who says you cannot consolidate pay day laons. What's up?

a lot of people seem to be confused as to what constitutes a 'threat.' maybe this will help - threats: i will ruin your credit i will call you every single day we are going to garnish your wages we are going to sue you not threats: do you want your credit damaged because of this i suggest you check your credit report tomorrow do you want calls every day do you want your wages garnished do you want to go to court over this, and spend 1000's of dollars on attorney i suggest you hire an attorney for this matter basically, when a collector tells you they are going to take specific action, y