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This morning at 8:44am I received a call from 217-717-8200 (I am in Illinois... it shows this number is calling from the Springfield area.) A Renee Spencer stated that she was calling from URS Risk Management in regards to a "default and disclosure statement" against my name and social security number. She stated that a complaint had been filed for "inticipatory breach of contract for frauding a financial instution" and that myself or my legal representation would need to "contact the firm" at 1-855-546-8984. I called the number back to find out exactly what they wanted, and spoke to a Daniel Morlan who gave me another number to contact at 1-855-974-6538. He told me the reason they were calling was that their client, PDL Ventures, had turned my account over to them to collect for money I owed. PDL Ventures is an online payday loan company, and in 2009 I had several online payday loans. I got so far behind in all of them that I ended up closing my bank account and dealing with the backlash as companies contacted me. PDL Ventures sounds familiar to me, I'm not denying or validating the debt, and if I owe it, I will take care of what I owe. My issue is I have no idea if I have actually paid this debt or not, being that it is 5 years old, and the original loan amount would have been for $300-$325 and they are now stating that due to fees and interest, I owe close to $700. Obviously they said they are willing to settle with me for two payments of $250, which would still be $200 over what I originally took out the loan for. I cannot find any information on PDL Ventures to contact them directly and find out what I owe (if I owe anything). My email address and physical address have changed a couple of times during the last five years, however my phone number has been the same. I have not received anything in the mail from PDL or from URS regarding this debt. . Should I send a debt validation letter, certified mail, return receipt requested? Should I send a cease and desist? I've gotten smarter about dealing with CA over the years, although I luckily haven't had to deal with an issue like this for quite some time. I won't fall prey to their scare tactics of trying to sue me or file legal charges, but I also take it seriously so I won't be brushing it off and doing nothing about it. They have now called me three times today since 8am. Please advise on how to handle this collection agency and how to proceed in getting this taken care of. Thank you in advance and HAPPY NEW YEAR

Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure what to do, it seems if I start paying I will simply be paying the interest for years and years prior to even touching the principal amount due. Onto my question, and I have to ask because I don't know what to do. I have been told by many people that after 7 years and (3-4 months) private loans will fall off of my credit report. I am coming here to see if there is any truth to this and or what I should do to increase my score. I'm financially stable at this point and need to get the credit score addressed immediately for it is affecting many points in my life. If this means tackling the loans head on, then so be it. It will be a long while before they are paid, but if that's what needs done so be it. If you all tell me I should start paying them, will I see a increase in my score once I start making payments? Thanks all, sorry it's so brief but figured you didn't want a long read. Thank you all, if there is any information you need please let me know. Apprecaite any advice you can offer I'm simply looking for the most cost affective and best way to increase my score. Sadly I didn't even finish college due to a job offer at which I couldn't pass up and I am currently still employed with said company. Thanks all

First of all, Thank you for your time & attention! Can someone help me by giving me an example or template for: -Praecipe to Submit Preliminary Objections -Preliminary Objections I took out 3 non-federal student loans to help pay for my undergraduate degree. My dad is my co-signer on these loans. I graduated then went to Asia to get my MBA with Syracuse. Crossing languages & countries- the Plaintiff didn't acknowledge that I was in grad school therefore they did not defer my loans. I have not mad any payment on these 3 loans. I was served papers for a civil action law suit (the court of common pleas) for these 3 loans. The promissory notes were not attached to the papers I was served. I HAVE NOT received a 10 day notice of Default Judgement My dad has been diagnosed with Parkinson's Disease shortly before I was served these papers. My two sisters are in college and my mom works. I need to take care of my dad. Summary judgement against me should be avoided if possible. **I need help with the Preliminary Objections! I need to file ASAP because its past the 20 days**