My wife fell victim to an email scam promising her $1 million + in return for her sending them money to start. She took out payday advance loans back in November. After she told me about them a month later I proved to her it was a scam. She finished paying off the last of the loans she new about back in Feb/March. Today she received a letter from a "Law Firm of Presley Smith" in Savannah claiming she owes OnlineAdvance $1050. The letter goes on to state that they are sending this letter despite repeated attempts to contact her. Two things make me wary of this.

I am new to all this and need some serious help. I live in Texas and i am trying to get a hold of my debt. I have a student loan and credit cards that I owe on and have gone to collections. I am in a financial position where I can now start making payments and someday pay it all off. Any ideas as to where to start? Should I contact a debt consolidation company, try to go at it on my own with each collection company plz help don't know what to do at this point.

So, today I got a call from DCS at my business: they are trying to track down debt from an old owner of a similar business at that address. They claim my business is liable for it. I explained that we purchased the ASSETS only from the IRS. The IRS was seizing the business and we negotiated to buy the ASSETS ONLY, not the business. We have a separate FEIN, two owners who have nothing to do with the prior owner, and even have a different name to the business. They said I have to fax them a copy of the Bill of Sale or else I am liable for the debt and the will come after me.

Hello All: This is the first time writing online. I have shamed and disappointed myself and am drowning in Payday Loan debt. I have 4 loans at the moment. I have been taking out loans, paying them off, refinancing, etc. for over a year. All started when my mortgage more than doubled from $612 to $1475/mth. The mortgage company drafted said $1475 in December of 2010. From that point on, I've been using payday loans to live off of - but only just barely. I now understand that terminology - Robbing Peter to pay Paul and Mary will get hers eventually.

On may 14 they put my money on hold That i owed a debt i didnt receive no letters that i owed this debt. Now my debt is with the attorney that they are demanding me what should i do

If a person is issued on off-cyle check for 2 days (16.00 hours) of pay (gross amount minus taxes = $274.39) how should the15% garnishment deduction be calculated ? What is the exempt amount?

Hello! Can someone please help me, I'm going crazy here and stressing too much. I live in NJ and got behind because of some medical / auto bills during a car accident. I took a pay day loan out and then another online. Now I am paying the fees and nothing more and barely getting by. I currently have about 6 loans out- 4 for 300 and two for 500. I have paid all of them well over the what I borrowed and fear I will never get out of them. I moved in with family because my lease was out and wanted to catch up.

I was contacted today from a collection agency, stating that i have a unpaid payday loan dated Jun 2005, i live in Virginia, what is the statue of limitation for payday loans in my state.

Basically I would like some advice on dealing with Payment Direct Online. I took a loan in July of 2010 when I was residing in Denver; I relocated to GA in Jan 2011. I have received refunds and cancellations from 2 other PDL lenders because I reside in GA, but this one here.... is something else! They have been taking $89 finance charge every pay for nearly 2 yrs for a loan of only $200! I have paid that loan at least 12 times by now. Honestly, out of sight out of mind, I'm so used to the money being deducted that I dont factor it into my household bills.

last year i got a $500.00 loan on the internet then i lost my job. Now they are calling and threatening me that i will go to jail for fraud. I am from ohio. can someone tell me if this can happen?