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thank you, I appreciate your time and opinion of this matter!!! Thats what I was thinking as well, but I will follow the suggestion to see if it has been reported to a collection agency before I directly contact the lender. Thank you again so much

This is very helpful, thank you very much. I will check my credit report. I am fairly certain that it has been reported, as I recently tried to open an account at us bank, and was denied due to something on my credit. At that time, I assumed it must have been my delinquent accounts at wells...

Last year I used a fake pay-stub to obtain a payday loan. I am now a contributing member of society again and in a financial position that may allow me to repay the loan which was in the amount of approximately $200. I am hesitant to call the loan company due to the legal implications of my...