Credit repair

Like many of you, I fell for the trap. I live in NJ and from reading similar stories, I feel better knowing that there may be some light at the end of the tunnel. At this point, I have 7 outstanding loans. In my defense, 2 of them I didn't even apply for. I applied for 3 small loans in one day and ended up with 5. My paycheck is direct deposit, how does closing my account affect that? Any suggestions are greatly appreciated!

Is everyone sure that PAYDAY LOAN YES is not going to arrest me, or show up at my job. I've sent them numerous emails and they haven't responded. Someone sent me an email, I think his name was David, I sent him an email back, he won't respond back. I'm from NC, initially they took their money before they were supposed to. I've sent all the cease and desist letters, and ACH and wage revoke, and I've also closed my bank accounts, but I'm extremely worried. Are they coming to my house, or my job, or will I have a warrant for my arrest. HELP!!!!!!!!!!!!

I have some accounts in collections that is really messing my credit score up.. where I cant get a home loan. what options do I have? I can pay off the money i owe, but how do I get it off of my credit report and bring my score back up?

If I got used and a judgement was given for sometime money garnished but then the case got dismissed due to lack of prosecution (FWOP) does that mean there is no longer a judgement?

I m international student in aus. i have $ 80000 debit in australia.i left aus in may 2013.i have not pay my instalmints in credit card and loan from 8 months. If i go back aus will they stop me airpot? Plz reply me thanks

I need help with these two companies. What are the laws in the state of CA? For Payday loan yes, I borrowed $350 and have paid them a total of $685 as if today. For Worldwide Cash, I borrowed $200 and have paid $890 as of today. I never receive the emails they promise to send instructing them what to deduct (i.e. just the fee, etc.) so they just keep taking the $89. Payday loan yes set up payment arrangements on my balance of $590!! How can a balance be $590 on $350 loan? Any help is appreciated.

have about 6 payday loans (online and locally) that are almost all in default. Some are threatening garnishment and others are harrassing me at work and home. I don't know where to start to dig myself out of this hole I have dug for myself. I am worried every month if I will be able to pay rent and basic expenses. I need help and quick! I live in Colorado and the loans are as follows:
Online
Cashnetusa - $700.00
Paydayavenue - $575.00
Oneclickcash - $575.00
Local
Checkmate - $555.00
Money Tree 0 $350.00

I am having a problem with Emerald Marketing Group. I had a loan with them for $300 on which I paid back $505. They now want an additional $250 and told me today they will call me every day at work until I pay it. They are not a collection agency but have in-house collectors. Can anyone help?

I have a PDL loan with Astro Lending. It was for $300 and I have paid almost $1000 in fees to them and they're still debiting it from my account every payday. I don't know what the laws are in TN but it seems like this is a little out of control. Can someone tell me if there is any law that would prevent them from being able to do this. I would like to take care of this without having to close my checking account.

I took out a loan with this company called united cash loans and they are ripping me off slowly. They took 90.00 out of my acct on the 20th of December and I didn't have enough money in there so they charged me 30 plus my banking fees of $25. I then emailed them and told them not to take anymore out until Sat the 28th and they didn't listen and took money out again today and I didn't have any money in there and the same thing, 30 plus 25. I then called them and the guy had no clue as to what was going on and brushed me off.