What is the cost of a settlement program? I've fallen behind on my credit card debt. One creditor just sent me a letter offering payment options, but also suggesting that my debt will be forwarded to a lawyer for review, and also that no decision has been made to sue me yet. Can they say that? I got scared so I called and arranged minimum payments that the rep said will buy me 30 days."

Hello everybody. I need to know if Zoca Loans is legal in my state. I live in Ohio. I have a loan for $400 and the payback amount is well over $1,000 with interest! I know I was dumb to take the loan out but it was my only option at the time. I have full intentions of paying this loan back, I just need to know if I need to pay just the principal amount of $400 or will I have to pay all the interest fees also. I believe this company is tribal. Also, how would I go about making payment arrangements with them. Thank you

I have accumulated $25000 debt on credit cards last month. Can bankruptcy help me?

What is the minimum amount I have to pay monthly or yearly for a settlement or a consolidation through third party help?

Can I physically meet a CA to negotiate on a debt?

Automated Clearing House authorization or ACH authorization - Is it difficult to stop automatic payments in the future if one has already opted for it?

I am in need of some help with working with and determining the legality of three tribal installment loans. I live in MA, payday loans are illegal. However, these were "installment loans" as that is how they were marketed, not payday loans, even though the apr is beyond 460% and the payments are made when I get paid. I cannot continue to pay them at the current rate and schedule and am not sure the best way to proceed.

Hi everyone, I'm wondering if anyone has had success using a debt management plan for payday loans? I currently have approximately $5,000 in payday loan debt. I'm on a debt management plan for my credit cards, which has been a really positive experience, and the promises that the debt management company for payday loans are making are very appealing. I'm working with DMCC Corp - dmcccorp The one issue I'm having with them is that they are very adamant that I close my bank account and reopen a new account prior to enrolling to ensure that my payday lenders don't continue to debit my account.

How much does it cost to get all the 3 credit reports and scores?

Hi. Unfortunately I had a tax lien filed against me even though I was on an installment agreement. Long story about IRS fibs. I don't even own any real estate. Anyway, since it hit my credit report I've gotten about 10 notices from these tax relief companies. I don't know how many, if any, are legit. I google the number and/or the name and nothing comes up so I'm suspicious. They send me these notices and right on the envelope in plain view it says tax lien filed, personal and confidential (yea right) or back tax notice or about your tax lien. Some even had a tax lien number.