I accidentally deleted this thread as spam. Can we get it back? http://www.debtconsolidationcare.com/forums/showthread.php?t=164518

Is Ideal Gelt legal in Maryland?

I just wanted to thank you for this forum. Because of this forum I have finally taken the first step to stand up to the PDL cycle I had gotten myself into. I sent the first round of C&D letters out last week and to date the only repsponse I have received has been from mypaydayloan.com. I stuck to my guns and pushed back with a copy of the C&D letter issued to them from my state of CA. The response they sent to me was a form letter it even had the wrong state in it when they sent it to me. LOL. Thanks again for the strength to move forward!

I am in the process of sending letters to payday lenders revoking my authorization to debit my checking account and inform me them that I am will to make arrangements to pay off the principle since they are unlicensed in Maryland where I live. I opened a new account at a new bank and planning to put a hard block on my old account. My question is when making payment arrangements with lenders do you pay them with money orders or cashiers checks, a prepaid debit card or western union?

I have a check drawn on Sun Trust bank. They refuse to cash the check if I do not open a bank account. Why won't they cash a check drawn on their bank?

I am being asked to reimburse charges that I have no idea of their origin. I filed for bankruptcy on 10/25/10 and was granted a chapter 7. Until recently when I learned of this judgement, I have been unable to get anyone to reply about the supposed debt. What can I do?

So you all my pymt was due Feb 19, so I've been getting calls every 2-3 days. Rep isn't so bad, when I do decide to pick up. So anyway, does anyone here have any experience with them? The others like BOA, Citi, Discover have offered special "hardship" programs which are expensive so I am just sitting not pying like you all. Commerce told me they don't have any hardship programs and they refer all their clients to a debt mgnt company.

I have several credit cards on which I've negotiated favorable agreements. I have one agreement with a collection agency who previously threatened to place a lien on my property an file jugement against me. I have paid all my agreements on time. But, one agreement is expiring and the original creditor will not give me a new agreement. I cannot afford the minimum now and they recommended I call a debt management company (non-profit) listed on my statement. The debt management company wants to negotiate with the collection agency to reduce my payment.

How do I select which type of debt management to use in order to handle large, delinquent debt? Ever further, how do I select a firm to put a program into motion?

My wife and I both have one credit card each, through Chase. My (maxed out) balance is $36,000 and hers is $16,000, combined we owe $52,000. Since both cards are now maxed out (we have been living off of them), the APR doubled and the payments are virtually now impossible to make. The payments were due last week and are now both 7 days late. What should our first step be since we cannot pay the almost doubled in size monthly payment it has now become? It is either pay the credit cards or pay the mortgage!