Well, I have sent the letter to all my illegal payday loan lenders and it worked. But it did not work for Ameriloan. They insist they are legal. I also did not send one to Starcash processing or Lansbridge aka mymoneychest.com who also insisted they were legal until I did some research and found out they were indeed not legal. My question is if I send the letter to them will they call and harrass me? This is what I'm affraid of being called at work. Like i said it worked for my other lenders, but these three seem more agressive. I live in California by the way.

I have about 4 payday loans currently and I am in need of desparate help in getting them consolidated into 1 payment. I borrowed one to pay bills, get groceries, then I had to get another one and it just got worse from there. I have a 2 year old at home and it's getting to the point where I have no idea if I can get out of this, I am becoming behind on ther bills like the electric, water and being able to buy groceries. What should I do?

I have about 4 payday loans currently and I am in desparate need of getting these consolidated into 1 payment, I got one, other bills came up, got another one because I was desparate and now its out of control. I can't sleep at night thinking that my next pay check will be eaten up by all of these fees and I have a 2 year old son I have to take care of. What should I do?

I have multiple loans that i am trying to pay off. 3 loans are from 3 loan companies and 1 is from Conn's. Would i be able to pay them off with a debt loan and save some money. Is there a loan of that type?

Hello I took out a loan from Western Sky for $2600 and they deposited $2525. I am in North Carolina. They loan went through Cash Call afterwards. I sent them $2200 and have not made an actual payment yet because I didn't have $294 to send to them. On my account this is what it show's Loan Amount: $2,600.00 Interest Rate: 135.00 % Monthly Payment: $294.46 Balance: $780.27 Today's Payoff Amount $806.60 I paid total of interest at $380.27 and the amount towards principal is $1819.73. That was from my $2200 I sent. What can I do if anything can be done. Thanks.

I called my parents last week when I received a text from my dad that said "You need to call me. Or are you in jail?" When I got them on the phone they said someone had called telling them they are looking for me for check fraud. They gave me a telephone number and I called back. It was Progressive. No other information, just Progressive. When I got someone on the phone they went on about an internet Payday Loan I had received in March of 2012. The company tried to collect the debt two days before it was supposed to be due, sending my account balance in the red. Way in the red.

Is it against FDCA for a debt collector to call you for example, from FL but have the caller ID show a local number? Sharon

I have a credit card account that went to a collections agency. I filled out the paperwork for them to arrangement payments for half of the amount owed. I realized that I never heard from them again after I received the letter from MCM saying I need to pay the full amount to them or they will take legal action. Should I contact the collection agency I filled out the paperwork with or them to straighten this mess out. They want me to send them $500 to start payments but I can't afford that right now. I don't know what to do and don't want to be sued.

I received a letter from RJM Acquisitions at my address (3285 Moritz Drive, Huntington Beach, CA 92649) stating that a certain Michael Thomas Oconner ows Union Bank, San Diego, CA an amount of $6755.17 and that your company is trying to collect this amount. Your access code is # 971544405433. First of all, mr. Oconnor never lived at my address, and second he has used a SSN that is close (or the same) to mine when he opened an Uni8on Bank account on December 24, 2003. How can this mr.

I am currently in debt 28k. I have been able to look at my credit report and see what I owe. However now I am not sure what to do. As I try to pay these cards and loans down the intrest just grows and grows. Should I consider a consolidation program or filing bankruptcy? I am only 26 years old trying to start a family in the near future. I don't want to burnden my fiance with my mistakes. My goal is to get the debt under control. Where I can pay every month and still live a normal life. Just with a debt much like a car payment. I am stuck know how to do that though. Any suggestions?