I dont know if I am doing the right thing

I know, a friend of mine is checking a couple things and said that they might be able to help me with some of it so I think I might wait till I find out from them whats going on before I talk to mom cuz then maybe it wont be as bad to talk to her if I can say that I have part of it taken care of.

Good job. Explore all avenues before talking to mom. You might be able to save yourself! Keep me posted! :wink:

Are you trying to close the account with 5/3? I had my husbands name on our 5/3 account and they didn't need his permission to close the account. Check into that also.

Thanks, roo! I didn't know if they would do it without her mom's permission. Good to know! :D

np

Oh yea the account is going to be closed, but I do want to take my mom off it first so this mess doesnt affect her. It does feel good to be taking control, I feel kinda guilty for going to the store to get groceries considering the pdls will be trying to get their money. I would love it if I could get checksmart to do a payment plan with me so I could get them paid off asap.

I have to say finding this site has been a huge help and last night was the first time in a while that I have gotten a semi decent nights sleep even with my little holy terrors wreaking havoc in the night because they cant stay out of stuff lol, Thanks again everyone

Hey no problem, this site has been such a relief to me. I can not imagine what it has done for other people that are in so much a bigger mess than us. I cannot imagine being in a many thousands dollars of debt over pdl's. Wow this has been such a blessing and I do sleep better at night knowing there are honest people out there trying to help us!! :D

I know I am extrememly grateful I found this site before I ended up thousands of dollars in debt with this mess. And I have learned my lesson, once I get this taken care of no more pdls for me I am done and once I finish getting the collections BS paid off on my credit report I will be an extremely happy person.

From what I have read in these forums they do not report this stuff to the credit beureas. I think that is because they are mostly illeagal. Not for sure on that. I can tell you I trust these people 100%. They have been totally honest with every aspect of the process even as far as closing your bank account. Which you do need to do ASAP!!! If you haven't already! Trust me on this one it is the best advice yet. Let me know if you need any help. These people have sent private messages as far as how to communicate with the pdl companies and I would be happy to share them with you!!

I have some old collections stuff on my credit report that I am finally trying to take care of, the first thing I want to do is get my direct deposit switched to Wamu before I close my account. I havent been able to get ahold of anyone at HR yet but I am going to make that my mission tomorrow when I get to work, and go from there.

You go!! Make that your top priority! And I mean that!!! Time to start making progress. It is so hard to go it alone and much easier to hire a law firm to handle it for you. However I think we all stand a to profit a lot of money to do this on our own. Esp if your boss is in on it!

I dont know what my boss's reaction would be to all this hes kinda excitable and I think one of my biggest concerns is losing my job over all this mess. But then again he maybe very understanding over all this, I really dont know.

I don't think you will lose your job over all of this. After all identity theft is very high at this point and that could be your defense. Stick to your guns!!!

Oh I plan to, I refuse to let this run my life any further, like I said earlier I really wish I could get checksmart to let me do a payment plan to pay the 2 loans I have with them off but I dont see that happening cuz they werent exactly willing to help before when I ran into trouble.

Alright I think I am going to try and get some sleep I have been running around here cleaning to keep busy and am tired enough that I should be able to fall asleep, hopefully I can get the little monsters to go along with that thought

Hey Blue-Did you get your $$ out of our account before the pdl's hit this AM??

Blue..Just saw that you posted...us nosey people wanted to know if you got to the bank quick enough?

Nothing has been debited from my account yet and my accout is finally positive for however long. I called T&C to get some information about possibly consolidating the pdls, the lady I spoke to with there was incredibly nice and helpful with some advice but because I live in KY they were unable to help me. I am on my way to the bank now to try and talk to them and see what they suggest. I will try to log in at work tonight but I dont know how busy it will be.

GO GET YOUR $$ OUT!

DITTO!!! What She Said - Blue you have got toprotect your money.

I spent an hour down at the bank talking to them and I pulled all my money out except what was needed to cover a check and there is supposed to be a debit hold on the account and I am supposed to call the lady I talked to first thing monday to close the account hopefully. However when I called my mom and told her to go to the bank after work to take the money for my car and loan payment out she kinda freaked and is on her way down here as I type this. I am freaking out so bad right now shes already yelled on the phone and I know there will be some yelling tomorrow as well. I dont know why I try and take care of things myself because I always seem to make them worse somehow. I know for sure shes pissed right now and freaking out.

Blue-Its going to be okay...yea, parents freak out about mistakes and man, I have made some some biggies! They get over it...sometimes it takes time but the do, trust me, I am a parent of a 15 yr old.

The good news is you have some $$ in your pocket before the pdl's got to it! :D

She has everyone else freaking out up there as well, my stomach is in knots, my mind is a mess, I cant focus on work which is bad, and I just am a mess right now.

blue, I hope you're okay. :( Please explain to your mom that you are taking care of the problem. You are taking responsibility and getting it taken care of. Let her yell and rant for awhile so she can get it out. Then maybe she'll be able to think clearly. I know it sucks. But once it's out in the open and over with, things might be better. Please let us know you're okay.

Blue, please ahng in there. Let your mom yell so when she calms down you can talk to her. If you need anything at all we are all here for you. I hope you are ok. Please keep us posted. Roxy

Sorry its taken a white to respond back on here, it got a little crazy at work tonight. My mom arrived down here about 12:30 am, bitched that my apartment was kinda messy and then stated that she was going to bed and we would talk in the morning. Myself on the other hand though exhausted cannot fall asleep so I pulled a couple of my credit reports to see what all was on there to consolidate and ended up disputing an account with midland credit management that shows up on my experian report twice. In addition to going back and forth between the computer and the kitchen doing dishes. So I guess we will see how it goes in the morning with the "TALK". I will let you guys know what happens.

Hey Blue-ITs gonna be all right girl! With the credit report, hold of a day or so. You can only do so much at one time!

Get some rest, have the talk with mom tomorrow and once she has it out of her system it will be fine :wink:

Check in to let us know you are doing ok...

Blue, I will be thinking of you today...Imagine growing with a continually pissed off loud Italian woman who did not know how to do anything but yell!!! My Grandma lived with us for awhile but she ruled the roost. It will be ok...Post if you need anything.

I personally like pissed off loud italian women. They have guts. Just my opinion. :D

BUt they scare the hell out of you when you are 10..hell they scare the hell out of you when you are 30 and getting scolded like a school girl. However, it was good training...now I am the pissed off loud italian woman. :lol: Atleast that is what my kids say. :lol:

I knew I liked you for a reason! :D

See, blue? You have a lot of people here who care about what's going on. And we'll help you with whatever you need. You post whenever you can or feel like it. We just want to be sure you're okay. And you don't want roxy, the loud italian woman scolding you! It's okay, blue. We're here for you. :wink:

Now that my ears have stopped ringing from the lecture I received this morning about this whole mess, my mom came up with a solution that was acceptable to her to take care of it. Now mind you I have only had about 4 hours of sleep before the lecture which actually started last night when she got to my place around 12:30 am, and she complained that my apartment was slightly messy and about the fact that instead of 2 cats I have 3 there now, and then she went to bed.

This morning after she got her caffeine into her, she stated that she was going to loan me the money to pay everything off and that she was going to take over my bills for the time being until everything gets straightened out. So come this Tuesday I will be calling cashnetusa who hit my account yesterday for the rollover fee even though there was supposed to be a debit hold on the account and tell them that I am willing to pay off the principle since they took the fee already and mark the account paid in full, so we will see how that goes. Somehow I managed to end up with a loan from MTE so I need to find a phone # for them to call them and get that taken care of and out of the way. As for the first bank of deleware loan that i was a massive idiot and took out trying to pay this off in the first place I am going to call them and find out how much to pay that off and close that as well, in addition to taking care of some collections accounts that show on my credit report. So at this point everything is starting to get better and hopefully continues that way.

Good for you Blue! It took a lot of courage to tell your mom what was going on. I cannot even find it in my heart to tell my husband of 6 years that we are in this crazy mess. He trust me wholeheartedly with our finances and wouldn't even question it unless something got turned off! I really should tell him, just for the simple fact a lot of this mess is his fault and the fact he doesn't think he should work 5 days a week, while I stay at home with the kids. What a crock! He is a spoiled brat. O-well enough of my steam. I am happy for you and your mom helping you out (despite the lecture), is a great thing for you! Congrats! Keep up the good work.

Your husband sounds a lot like my nephews father, but at least he is working somewhat, my sisters ex spent all day everyday for over a year playing video games all day he wouldnt even watch my nephew, and almost bankrupted my sister who was the only income supporting the 3 of them and now he cant understand why my sister wants nothing to do with him, especially since he just quit his job again, when she was going thru a box of stuff from when she moved she found the engagement ring that he got her and she said something about pawning it so that she had some money to pay for daycare since she only gets $24 a week in child support and no help for anything else. So I completely understand your situation with your husband, maybe if you tell him this will be the wake up call that he needs to get him motivated.

I somehow doubt the wake up call will come unless the utilities get shut off. He is nothing but a spoiled brat! I do say this with love because I love him to death and he has been the best thing that has ever come into my life. I know this sounds contridictory, but his parents have spoiled him and I have done nothing but made it worse. Okay, I am going to quit my ranting and raving and just make my mistake right! But just wanted to know that I admire your courage with your mom and glad you found an answer to the problems you were having! :D

Just be patient and everything will work itself out for you as well. :) I think that these companies rely on the peoples ignorance of the laws and I think it freaks them out when some people choose to fight back against them and their unfair practices.

I am not going to know what to do with an entire paycheck and not having to pay anything out of it towards any pdls. I just hope I can get netcashusa to agree to me paying off the principle since they have already hit my account with the fee. I feel so much better right now than I did a few days ago, my next move is going to be calling some of the collections accounts on my credit report and offering them a settlement.

blue, thank God! See? Listening to your mom tell you how "wrong" you are, blah, blah, blah.... It's okay! You and she worked it out and you're going to be better off for it! I'm so relieved! I was thinking about you all day. You are going to be okay, and you thank your mom for me! Sometimes it's just better to "come clean" and admit what you've done. Especially if you've found yourself to the point of being in over your head. Call cashnet & get a pif. Call your collection debts and get them straight. If you need MTE's contact information (and they are sneaky lying suckers), I've got it for you. Hang on.

MTE Financial Services
515 G S.E.
Miami, OK 74355
Telephone: (866) 213-0268
Email: compliancedepartment(at)mtefs.com

cnnr- i found the customer service # in my email as well it just took me forever to dig thru it to find it so I will be calling both mte(quickest cash advance) and cashnetusa and getting those pif and done and over with, which will be a huge relief. My mom is taking control of my finances for the time being so that I can get back on my feet and get my bills caught up, which can be a double edged sword.

Blue, I was gone all day yesterday, and just got back on. I am soo happy to hear you sounding so optimistic. I was worried. I am really happy you and your mom talked and you were able to work things out. You have done so well trying to work this out on your own and now it appears that with the help of your mom you are really on your way.

I am so looking forward to going into checksmart and paying them off and when they ask if i am going to reloan it is going to feel so good to say no.

Iam sure that will be a great feeling. Keep us posted. Roxy

Hey Blue-That is grea that it worked itself out with your mom AND you have $$ in your pocket! Go buy yourself some ice cream or go get a pedicure!

Volley its a nice thought to do that but since mom bailed me out of the mess I got myself into, shes also taken control of my money for the time being so I am poor for the forseeable future, lol but thats ok. I think I am going to need to talk to Fifth Third again Monday or Tuesday and see about opening another checking account since my mom wants to keep the account there so she can access it, because from everything I have been reading I have a feeling I am going to have a fight on my hands from Quickest Cash Advance/MTE about getting the account paid in full, because once I pay it off thats it I am done with them and I dont want to see anymore debits from them try to come thru.

Blue, throw some icream in the grocery cart when she is not looking... :lol: Just be sure that the old account and the new account will not be linked. Stick to your guns with MTE...You are doing great.

I have some in my freezer I might use that to celebrate getting this whole thing resolved. At this point I can say that I feel like a huge weight has been lifted just in the fact that I can get this resolved now. I know that there is still going to be some drama going on with everything because they arent going to be happy that they cant bleed me dry with fees for the forseeable future.

YOur are right, there probably will be , but you have us to help you or to vent if you need to or just to keep us informed. I can actually hear the relief in you..and it sounds great. Have a scoop for me too!!
Roxy