help finding who i owe?

Call the loan places and ask for itemized statement of your loan accounts. They should have sent it without you asking for it.

thats great if i could remember the names of the places i loaned from. the pdls i have and concerned about are online ones, i cant recall the names of them? so how do i go about finding out the names of the companies i owe or if i still owe anyone since everyone know most online pdls are illegal in some states?

Do you have any of your old paperwork? Look at your old bank statements if these were internet pdl's there names or contact identification on there.

ladybug

Like ladybug said you can check your bank statements for their ACH withdrawals. The ACH Dept at your bank might be able to help you. You might just have to wait until they contact you and they normally do.

Ok i might have to do that. its been almost 2 years since i heard from any of the pdls and all my other papers got burned up in my house.

No, No, NO. If that debt is 2 years are older, I would just leave it alone. I have heard stories, some I have read here that they had a debt that is as old as yours and they got nervous and decided to contact that creditor and what happen was the creditor reopened the debt and or sold or gave it to another collection agency. They even had to pay all that accumilated intrest and what ever other charges they had.

Check with the laws of your state to see what the statues of Limiation are on that debt and also contact your states attorneys department to ask the same. that is why this people are there to help you with this. Just be really careful now. You do not want to kick a dog when it is sleeping to wake up and bite you.

thanks

Luke is right, if this account is close to being at the statute of limiations you DO NOT WANT TO reactivate it by paying it. Just let it go.

ladybug

Definitely...you do not want to start your sol over...and if these are non licensed internet loans...let it go. Also...they do not as a rule ever report to the credit agencies...so don't worry about it.

Honey, if they haven't contacted you or tried to debit your account in all this time, why are you worried about it?? Let it go. Do not "kick the sleeping dog."

for credit reasons incase i try to rebuild my credit they might pop up but will leave them alone thanks for the advise

So they don't report these PDL's to the credit reporting agencies?

Most of them are operating illegally, without licenses and such. I think that if they report to the credit agencies, they have to be a vaild company, properly licensed and all that.

I had to check over my bank accounts to see who I got money from and how much I paid them. But in the case of 2 years, yeah I wouldn't worry about it. When it is time to check your credit report again, do it and see if there is anything on it, but there probably isn't. And getting your credit report is the first step to improving your credit. And there is more advice on that in the other category....