I need help settling out of my medical debt. I am low income and cannot afford to pay all of it off. I am already in a lawsuit with one of the collections agencies. All together it is well under $5,000 but I cannot afford to pay off all of it. What can I do?

Is it a violation of FDCPA if the employer garnishes wages without a lawsuit? Can a creditor do it?

Do I have to pay more on mortgage interest rate if the back-end ratio is higher than 43%?

Is FICO score and FAKO score the same?

Hello everyone. Thank you for all the helpful information on this site. I am currently taking steps to end this vicious cycle and payoff these debts. I have a few payday loans and 2 installments loans here in Texas: Ace Cash Express (Installment) Speedy Cash (Installment) Check Into Cash (Payday) CashnetUSA (Payday) Advance America (Payday) Check N Go (Payday) Power Finance (Payday) I ended up taking one loan to payoff another loan which was not smart. After reading and researching, the solution seems to be: 1. Close my bank account 2.

I'm planning to file bankruptcy. I have $15000 in my bank. I will pay $10000 to my best friend and clear a portion of my debt. The rest will be cleared through bankruptcy. I owe $48,000 in total. Am I thinking in the right direction?

Our flag still stands strong because of all the efforts and sacrifices made by millions of our Veterans. DebtCC community salutes all our veterans.

I want to plan a realistic budget but how will I know whether or not my plan is ok? Is there any way I can compare my budget with others?

Is Chapter 11 bankruptcy more expensive than Chapter 13?

Hi all, I took out a loan with Arrowhead Advance on 9/2016 for $1000 and by 11/18/16 had paid $1343.66 and that was the last date I paid. They have recently called my job and left a voicemail (on someone else's phone) saying I defaulted and need to pay the remaining amount. What should I do? Of course other than not pay another dime?