I was hoping to get some advice with regard to potential filing for BK. I currently owe about $55,000 in cc a car at $380/mo (maybe $2000 in equity - if lucky) A house with $0 equity I have for assets standard household furnishing - nothing special and 2 free and clear cars. One is mine worth $7000 and the other my wife worth $12,000. I have $15,000 in an IRA that I am starting to cash out - was $20,000 6 months ago. I see the handwriting on the wall - I am sinking and I hate it.

I received a call from a collection agency about a debt from 2003. They are threatening to report it on my credit report. I never admitted that it was my debt and told them that the statute of limitations applies. They then told me that I mad a payment to them last april and now the statute of limitations extends to 2017. I never made a payment to them. I asked for proof that I paid on this account and they said they will send something to me. I have not received anything yet. Should I worry? What can I do? Thanks

I have read many about payday loans in Texas an I need help with how to handle the constent phone calls an threats.

I have a storefront loan through Cashland. I know they are members of CFSA, so I called about an EPP. I've had an EPP through Advance America before, so I assumed Cashland would have the same terms of four monthly payments with payments beginning on the next due date following the date you set up the EPP. But Cashland said they require the loan to paid off in three payments, and the first payment is due on the date you set up the EPP. They also charge a 5% "late fee", which Advance America did not do.

Jason, I still cannot edit or delete in this thread, even with it unlocked. http://www.debtconsolidationcare.com...ead161902.html Also, earlier today, I checked my points and, after answering posts and performing various moderator activities, I checked it again and the number was lower. What's up?

I live in the state of PA and I have like 6 or 7 pdl's all out at once. I know I'm a moron but it got the point where I'm supposed to have a over a 1,000 dollar paycheck but by the time there done taking what I owe them out of my account im down to almost 200 bucks and none of that is going towards the principle. I have paid back the principle amount on some of the pdls but some I have not yet. What would happen if I close my account and have my employer send me a paper check.

i sent PM'S on monday and yesterday,and got no responses.i didn't want to bring this up here,but i needed a response.did you get those PM'S?

I am new here and apologize if the answer is on the board someplace .. I did alot of searches and got confused. While searching the site i have seen that i may be using illegal online payday loan companys.. Can you guys help direct me. I am texas 1st Paydayone $1050.00 i think this one is legal from the board so I will not go into detail other than its not bad paying once a month and it would be paid off if not for the other 2 2nd: easycashonlinestore.com 1 loan 300 paid 345 back : 2nd loan 300 paid 1245 back over several months on renewals. 3rd loan 600.00 paid 820.00 on 2 payments.

Well I have conquired the PDL's online and store front. Now I need to start on the credit cards I have. Right now I have Homedept 2,500, Lowes 500, Target 500, Orchard 400, Sears 1,200 and Capital1 500. I know i bet myself up all the time. the total monthly payments are $275 a month. I am struggling so bad that I barley can pay my bills and ended up 1 month behind on my house payment for the last 6 months. I really need to get on these and am in need of some advise on where to start. at the rate I am paying now I will never pay them off.

For those of you that have gotten refunds, do know if you state was/is in litigation with the companies that refuded you? The reason that I'm asking is that I had loans out with United Cash Loans and One Click Cash. I went through all of the usual steps and after I filed a complaint with the AG, I received a letter from the Consumer Credit Code department stating that they are currently involved in litigation with these companies. I have requested refunds from both UCL and OCC on at least three occasions and of course have not received a response.