I have a debt with Dell now being collected by Valentine and Kebartas. I lost my job and fell behind in my payments, so I was calling Dell about every 2 months and setting up auto payments, 2 payments at a time, but this was never enough to catch up the past due amount. So, now they have sent it to Valentine and Kebartas to collect. I was wondering if anyone has any experience with V&K as far as payment plans they will accept, or not accept. I really just want to pay my debt. I'm back to work now full-time and working hard to get back on track.

Are all wage assignments voluntary?

So, I've closed my bank account, sent all the ACH revocation letters and set up payment plans. All the PDLs were illegal. AdvanceMeToday is the only one that's started threatening me. I've offered to pay the $35 I still owe on the $350 I borrowed. Every person I've talked to/emailed has told me that I need to pay the total amount that is still owed including the fee of $105 or they will pursue legal action. One guy even said I was a loser. I literally laughed at him. What should I do at this point?

I have recently noticed that I have had a lien against my house by a judgement of 2035.01 by LVNV. I too had a Sears card (as I have read in other post) back in the late 90's that was to be paid by my ex-husband. How do I find out if indeed this is why this judgement was for and if so , how do I find out when the last paymnet was made so that I may determine if the SOL was in effect at the time of judgement?:confused:

Hi, I have a question. I live in NJ and I took out a PayDay loan with Plain Green which I haven't been able to pay back so they enlisted Frontier Financial to call me for collection. I still don't have any money to pay them and they keep calling me and they just called and said that they are going to send an income verfication letter to my employer to collect the funds. Are they allowed to do that? First off I took out a loan for 700 dollars and they are saying I owe them 1500 which I know I only have to pay back the principal because I live in NJ.

Some Payday loans say they are Federal Licensed and thus do not fall under the authority of state laws. [QUOTE]section 27 of the Federal Deposit Insurance Act, 12 U.S.C. § 1831d (enacted as section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 [the "DIDMCA"]). The authority of national banks to export favorable interest rates on loans to borrowers residing in other states was recognized by the U.S. Supreme Court in Marquette National Bank of Minneapolis v. First Omaha Service Corp., 439 U.S.

In the past months I have taken out 3 payday loans from some online companies. Integrity Advance, Greenwood Holding Group, LLC, and One Step Cash. After reading the good advice this forum, I have filed fraud on Hydra Financial Limited II, closed my accounts and sent out ACH deauthorization letters. Should I call these companies with the same request. They ask for social numbers for confirmation. I am leary of handing that out. Though they have it already.

I received a pay day loan in Arizona a few months ago through Checksmart. Pay day loans are illegal in AZ, but they sold it as a line of credit through a company in NY. I now live in UT. Which state laws would govern this loan?

Settled a business card with Allied Interstate for Cap1 one last month. They received the final payment on 3/25. Allied robo called on 3/27, apologized for calling and said the account is still in collections but it is settled and would be removed in the next billing cycle.

Okay heres the info. On 3/31 I got a call from an unknown number it was some dude saying he had a summons for me. I asked him what it was about and he said he could not tell me and that he was going to transfer me to a law office. SO some lady got on the phone and said I owed cashnet some money. I told her I took out 2 loans with Advance America and paid them back. She said no it was with Cashnet. No but Whatever so I said I checked my credit report and NOTHING was in collection. She said I might want to check it again. She told me I could pay over the phone but I laughed at her.