I have charged off accounts from Chase and Bank of America I havent had any activity on either since Oct of 06 (due to divorce). I haven't made arrangements, payments or spoke to any creditors or ca's since then. The combined total is aprox $25k. They've been sold to CA's now. I realize I can request to validate with CA and dispute charge off with the OC but does it matter which I start with or if I send letters to both at the same time?

Do i need to claim discharged debt from chapter 7 bankruptcy on my taxes?

If you have a lot of payday loans, and can't afford to pay them can you send them cease and desist letters. Are there any legitimate debt consolidation companies that deal with payday loans

I have a fingerhut acct and i dont remember the user name or password. I i went online and opened a new aol acct , then attempted to retirieve my fingerhut info. No luck. Then i opened another acct . Im lost and dont know how to get back to my old acct

I just called the 800 number here on the website and I don't qualify for help because my total payday loans are under 1000 dollars. I asked if there are any other options for me and the lady told me to find a company that will help me. hm, ok. If this company can't help me are there any who can ?

I have an unpublished number and have been receiving an unusually high number of calls from 866 & 877 numbers lately. I don't answer them, but google just to see who is calling me. In the past week I've received multiple calls from 1) The Armed Forces, 2) The Lupus Foundation, 3) The Lymphoma and Leukemia Foundation. Perhaps coincidentally, I've also recently fended off yet another attack of debt tagging (the third in two years). My alleged debt just keeps getting sold and passed on to the bottom-feeders. Apparently someone out there with the same name as me is running up quite a tab in life.

I got a loan through Cashnet USA, I extended the loan 2 times. I needed to get out of the cycle because I had other loans that I was trying to pay. So, I closed my account and defaulted on all of them. I have been contact by two different collection agenies trying to collect for CashNet USA. I have received calls from a company called ID Solutions, they refused to send a dunning letter. And now a company called P.N. Financial Associates called me at work.I asked them to send a dunning letter, I spoke to an Erica. She claims it is to late.

this firm won a law suit against me and i was ordered to make monthly payments. At the time this happened I had no idea how serious it was nor did i understand what rights i had. Anyways a year later after making $100 a month payments to them i purchased a house. At the closing i was informed that sessoms & rogers put a lien on my house. For one i dont understand how they could have done that, since i was already making payments and for one from my understanding you are allowed to own 1 property and 1 vehicle. anyways originaly i only owed $3000 to citi bank credit card.

Hi... we are wondering if our bank will modify our home after filing chapter 7, Our Attorney has given the mortgage company permission to send us the modify app. We didn't include our car and home loan, 1rst. and 2nd. mortgages in the bankruptcy, we don't know if this helps or hurts.

Dear Expert: We have about $55,000.00 of credit card debt we have been valiantly trying to pay off for several years. I am a partner at my firm (self employed) and the past couple years have been very shaky but we have managed to stay current on all cards (6 total) until recently. My income is decent but can be on and off based on business cash flow. We are now behind on 3 cards. I have been able to convert these 3 to a BLP (Chase) to a 2% or less rate over 41 months. This of course closes my accounts.