While taking out a pre-approved credit card, the creditor assured me that it won;t be a hard inquiry since it's pre-approved. But, I'm seeing a hard inquiry in my credit report. Can I dispute it?

I'm curious as to whether all payday loans are operated by tribal lenders or if some of them actually operate within the confines of the standard USA laws?

I have a Chase CC bill in default from a failed business 2 years ago. The original amount owed is $27,xxx Its gone to collections and I have had to unfortunately haven't been in a position to address it the last two years. They started sending lower amounts to settled - starting at about 10% off, ~$24k - ~$20k - ~$16k - ~$10 - ~$7k - ~$5k I was going to take them up on the $5k as now I can afford a payment again... and then I missed the cut off date. I was going to call them anyway, but then received a new letter for $2700. I was both happy, and surprised.

Can a debt collector ask a question here? Do I have to show written proof of owning a debt?

Hi. So I just got a voicemail on my cell from a CMG group that said I had a debt with them. Called them back (ph# 1-781-210-4247). Spoke with a lady named Natalie McCoy who stated that there was some type of loan taken out at an old address of mine (which I told her I haven't lived there since 2010). I asked her for more details as to who the original was, the amount, etc. She told me she didn't have that information but if I want to dispute she will pass along my information to St. Louis County. She was talking about me being sued, my employer garnishing wages, etc.

I grew up in a poor family. Currently, I have a job and I earn $140,000 annually. I want to follow a personal budget so that I don't starve like before. How do I get started with personal budgeting? I will appreciate your help.

Just attended the 341 meeting today. My wife is jobless right now. Should she apply for the job immediately or shall I ask her to wait till we get a discharge?

I want to repay debt with the help of a debt relief company. But, do I have to agree to what they say? I have 4-5 debts but I don;t want to settle every debt. I want to repay the debts in full, which I'm capable of. other debts I can settle if possible. If I opt for help, will I have to opt for settlement each and every debt? Will my cerdit score be impacted less if I settle some and repay full the others?

Have too many negative listings on my credit report. What should I do? Have 90 late payments on my credit report and 2 delinquent student loans. My credit score is 520. Can you suggest me a cway to improve it? Do you know a reliable credit repair agency or a good book on credit repair?

How much do you have to pay for a debt management plan?