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I am 25 and I have my debt problems
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Faith Renee'

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100 DebtCC points

PostPosted: Mon Jun 12, 2006 2:56 pm    Post subject: Debt Problems

I am 25, recently purchased my first home in 2005 of June, and while doing so, my father fell sick. While being in the hospital for 3 and half months the bills kept rolling. I was working two jobs, but it still didn't seem enough, so I fell prey to the Internet Pay day Loans. I am at work right now and received a voice mail from "Ellen" from United Legal. Curious on what steps I need. I also received a call from "Pay Services" from Jacksonville, FL. the other day (June Cool and has been constantly harassed since. I have requested that I set up a payment plan since I get paid on the 15th and last of every month, but the guy wanted $1100 by twelve noon and it was 9:30 when they called! HELP ME!!!!
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Justme




Joined: 19 Jan 2005

Posts: 212



3867 DebtCC points

PostPosted: Mon Jun 12, 2006 4:44 pm    Post subject:

Faith, be very careful while dealing with United legal. There have been many complaints against them for their illegal collections. Read some of the threads posted by members on this collection agency.

http://www.debtconsolidationcare.com/forums/unitedlegalcorp.html

http://www.debtconsolidationcare.com/forums/unitedlegal-call.html

http://www.debtconsolidationcare.com/forums/ulcletter.html

Do not pay anything to the collection agency until the debt has been validated by them in writing. They are required by federal laws to prove their authorization before making the collection attempts.

Read this page on debt validation and know your legal rights as per the FDCPA while dealing with the collection agencies.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

http://www.debtconsolidationcare.com/validation.html

 
Jessi

Moderator


Joined: 01 Dec 2005

Posts: 1615
Location: Plain City, OH


24888 DebtCC points

PostPosted: Mon Jun 12, 2006 4:48 pm    Post subject:

Renee--How many loans do you have out? Which companies?
 
Lorri




Joined: 27 Apr 2006

Posts: 372
Location: California


5419 DebtCC points

PostPosted: Mon Jun 12, 2006 6:47 pm    Post subject:

Don't let them get you upset! Have you already defaulted on the loans? Have you closed your checking account or stopped payment on the debits from your payday companies?
 
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Between payday loans, medical bills, and my own "stupidity" when I... Read More
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