How do I select a good credit counseling agency?

Merchant Ridgeview Mediation Group 3380 Sheridan Dr #214 Amherst, NY 14226 US 855-880-3287 I paid them 875 dollars. I never recieved a receipt for my last payment. I never recieved a letter stating that my debt was paid. I believe I've been scammed. What can I do?

Payday loan of $500 in the state of va. What is the statue of limitations? Payloan was done in 2005.

From Minnesota had 3 PDLs about4 years ago. They 3 were illegal and were grossly overpaid. I had on an off gotten the typical recorded threat from different collection agencies but got a call today from Midland Credit Management. 800-265-8825, didn't leave any details said it was an attempt to collect a debt. I read that this company is awful and very fraudlent, tries to collect on debts that are past SOL or paid off. I have not ever heard of them trying to collect on a PDL. Has anyone in the PDL area heard of this group collecting PDLs.

We were in the process of refinancing our mortgage and the last thing we needed to close was to clear a judgement on our credit report. I was currently paying off an old credit card bill through a wage garnishment because I did not show up for court, thinking I could not be sought for "unsecured" debt. Anyway, the wage garnishment was through Portfolio Recovery and Affiliates but when I pulled my credit report recently it showed a judgement from Hilco. There is no other data to follow up on. So, I went to the local recorders office where the jusdgement was filed and found nothing there.

I thought I was out of payday loan hell, thanks to this forum... I had an identity alert come through my e-mail and it turns out someone used my name and social security number to try an open a Discover Card. It was denied because my credit sucks, but could this be a result of the dumb payday loans?

i am really looking on the internet of a reliable debt consolidation company because i want to get out of debts, i am only making ends meet and i have 3 credit cards,i was a victim of identity thief before and it took me a whole year to clear my name, i don't want this to happen to me again, please give me a list of a good consolidation company with a good reputation, thanks.

I have some medical bills from last year that I am unable to pay at the moment and the hospital is threatening to garnish my husband's wages. Can they do that?

I recently checked my credit report and I noticed 2 judgements against me. One in the amt. of $261.00 filed 1/08/2011 & 2nd $562.00 filed 11/26/2011. I'm not sure where this is coming from. Only thing I can possibly think of is an eviction back in 2008? If I appear at the New York County Clerks office will I be arrested? Can I just call them? This is all new to me.

I have received numerous calls with an automated voice (they usually call on weekends) from "Allied" at 800-342-8576 telling me I am to contact "James Taylor." I have left messages for this person (when I can get through which is rare) & get no return phone call from him, only repeated automated calls informing me I need to call about a debt (and I am current with all of my creditors). Should I write a cease & desist letter to them since I can never talk to a living human being?