Does it require approval from lenders to consolidate pdl debt?

I have 2 payday loans that I have been paying on for two years and still haven't paid down.just paid the interest. one is with speedy cash and one is with ezmoney and together I owe about1600.00

Currently have a garnishment on my check and I'm looking to purchase a home but need to pay it off. The debt is for old medical bills and is currently managed by a law office. What is the best way to get a decent settlement

I am wondering if I am able to do a debt consolidation loan with bad credit. I am the only one working in my family and my wife has been unable to work for the past 7 months due to chronic pain. We have been fighting with disability as well. We were married in June of last year and had to use multiple credit cards to pay for the wedding. How can I get help?

When can the SOL clock on a debt restart?

If the collection agency does not respond within 30 days, how do I go about getting it off my credit report? Also what proof would I need to show that they received my request and did not respond?

Will i go to prison for the return check?

What is the first step one needs to take to file bankruptcy?

Can anybody tell me what is additional Medicare Tax rate? What is the threshold amount for the married filing jointly?

I am dangerously close to being big time broke. I have one last credit card to use and have about $240.00 or so. I am a senior citizen living on Social Security and am having a tough time trying to make it. Can you suggest anything?