ok, the 3 high cards are now at 3 different lawyer collection agencies, here in Georgia and one of them has served me and I have 30 days to answer. What to do? I would rather not go thru bankruptcy. Will the judge really look at my finances and not make my payment huge? I dont have medical or dental insurance, I am 58 years old and a waitress. I am going to try to get into a low income clinic, cause the body is sore. anyway, any help or suggestions?

I do not remember all of the details of this matter but a collection agency called me and said they were making a recommendation to a legal firm to pursue. I was told it had gone to different collection agencies as they buy each others accounts and even to a legal firm. They said I had a credit card that opened in 1999. The last payment was in 2004. They are now threatening to sue me for over $2800. In 1999 I was mostly out of work because of an on the job injury and follow-up back surgery. My credit score was sub - 400.

I had a loan out with this company and defaulted due to work layoff. They have threatened to garnish wages etc. I was starting a repayment plan and gave them 150.00 a few weeks ago. Told them I would pay again and still have not as of yet. I did some research and found out that they are not legal in California where I reside. Therefore I am assuming theyhave no jurisdiction and cannot garnish wages or sue me. I added up how much I have paid back so far and it far exceeds amount of loan. I assume they will send me to 3rd party collections.

I have 4 PDL online right now, plus 2 in store. How do I find out if the online lenders are not legal in Iowa? I have two of them almost completely paid off, and I still have two that I have just started paying on. Is there any way to get some of my money back yet if I have in fact overpaid on a PDL? Is there any way to get these consolidated in the state of Iowa so it is easier to make one smaller payment instead of a huge chunk every week out of my paycheck?

I took out a online payday loan in Texas to cash-net usa. That was in 2008 in the amount of $200 or $300 . I wasnt able to pay it back and I had fradulant charges on my bank account so I closed it. So now I have World Wide calling me at work and on my cell phone telling me if I dont pay this right away I was going to be served with papers. I'm really scared. I called them they wouldnt give me the address or nothing and the 3 people I talked to gave me different info. Could someone please give me some hope. Thanks

I'm with an internet payday lender (RMF Services, LLC) in which I found out that they are not licensed by the state of PA. They claim that they are licensed through the state and they can still debit my account regardless of what I attempt to do to stop. Could you give me some advice on this matter. The loan was for $300 and I have paid out $800 and still have a balance of $215!

how do I know who owns my loan when a debt collector call me to collect?

Do they still print your name in the newspaper when you file for bankruptcy? Also, can you do your credit counseling online?

Hi - I was on your site the other day and I registered for a counseling on the phone. I am deeply in debt to pdls. Chris from Consumer credit counseling of America called me and we came to an arrangement, I am just waiting for the paper work to arrive. I wanted to thank you for the info..(I hope that this is a ligit company) I really need help.

I am currently looking for help with my credit card debt. Its out of control and Im unemployed struggling with these high interest charges, late fees and over the limit fees. One of my creditors is chase and when I asked for a hardship program they told me I was not elgible but I should call CCA 800-270-6133. I am trying to find a reputable company one that will help me lower my payment and get rid of the high interest charges. I dont know who to call or who to trust. I am hoping someone on here can help me by pointing me in the right direction or providing me any helpful tips.