Hi, What should I do in this situation? I settled my AT&T Universal Mastercard on December 2010 at 45% of the original balance and I received the agreement letter after the phone call. In the letter, they will deduct from my checking $394 a month for 3 months. Everything went fine for the first month; however, Citi sent me a form that they would deduct $360 a month for last two payments. I did not know why they changed and they deducted from my checking $360 in January as well as another $360 in February.

I have been disabled since 2003, less than a year ago I was finally accepted for Social Security Disability, so I have limited income. Due to past credit card debts I was unable to pay, I currently have $20,000 in leins against my home. I have spoken with credit and banckruptcy attnys. They say that if I file bankruptcy the Judge will force me to sell my home to pay the creditors. I can't afford monthly payments to settle the debt. I am looking for a way out, as I cannot lose my home, with me disabled, a 76 yr old disabled man, and my 35 yr old unemployed son who takes care of both of us.

DOC Servicing Inc. of Amherst NY...called my 21 y old son's cell phone yesterday saying she was sending a summons to his mother. Nice touch. Anyway she calls me every 17 min and says I owe a payday loan to Knox LLC for $800 that I took out on 7/2. She insists she wants to talk to my manager or HR person and says they are preparing a disposition today and that they have been searching for me for 90 days and that is why they called my son. First, I have lived in teh same house for 10 yrs and worked at the same office for 5 yrs.

Not sure what this means for anyone but Elastic is no longer affiliated with Urban Trust Bank, or any other bank at the moment. I called Urban Trust Bank and the associate entered my SSN and they have absolutely no information on me and informed me that they no longer have a business relationship.

I got a call yesterday from a private number. I answered it thinking it was someone else. It was a 3rd party locating service, or so they said. They told me that they were hired to serve me with papers for a payday loan I defaulted on. But that if I called United Check and spoke with Gregory Kogler I could have the papers stopped. I did call him and he said that I owed Kenwood Services $415 and that they needed arrangements to be made right then or I would be sued. I went to my county website and can't find anything filed with my court.

I am going through financial hardship, because of loss of income. I need to set up a payment plan for ERS Acct#: G-21599817 - Leona Jones (804) 218-7083 - I wish to do this instead of filing bankruptcy. Please, contact me ASAP

i would like to know if nyou can consolidate my loans i was under debt review but i have cancell it on the 15march2011.i have the letter

My husband's current credit score is 410. He was sick for few years. He was not also able to work for last 3 years. Needless to say, he was not able to make payments on the debts. He had no insurance also. He has started working now. He has even started making payments on the smaller bills. My question is, can he clear his credit now?

I was contacted by First Source regarding debt owed to American Express prior to my divorce. I notified them that the debt was not my responsibility and that was going to be addressed in court. They said if I paid half the debt they would clear my name and credit. I agreed since the amount was under $1000 and I had many issues with my divorce, it was one less hassle. They began taking money each month as agreed but never sent me an agreement stating that they would clear my name and credit when 1/2 the debt, which is what we mutally agreed I was responsible for, was paid.

My mother has taken out an extra credit card on her account around 5 years back. She did it so that I can use it for renovating my grandmother's house. I have used the card for only 3-4 months. After that, I have never used the card. But last week, I got a call from the card company. They told I owe around $5000 on the card. How is this possible? i have not applied for the card so I must not owe the debt. Am I right?