I had a small garnishment of $2k that is outstanding, but since declaring bankruptcy, my student loan was not coverd and has gone into collections with a notice to garnish. If I pay off the outstanding $2k (which bankruptcy did not cover either since it was already actionable by the judgement) and recieve documentation for the payoff - am I still at risk of termination from my employer for having more than one wage garnishment, or I am I "safe" with just the one outstanding from the Ed Board??

I co-signed for a cc for a Veterinary CC. There is balance due. The woman who's CC this is in.. Died Oct. 1st. How do I find out the true balance since I have no bills. I have contacted Atlantic:confused: Credit and Finance who purchased the account from GE Money Bank. I have asked for documents and they tell me I must get them from JOHN P. Frye firm. When I asked them for them they tell me they only have a balance due... no other information. When I called the Atlantic Credit and Finance group they told me to fax my request in.... Which I will do....

Is there a list of which creditors are easy to work with and which ones are not with regards to negotiating a settlement?

I have a past due tuition bill that was sent to a collection agency. I have been paying it every week and by the end of the year it will be paid off. Will there be a hold on my tax return? Also will I get credit for paying the entire bill (tax credit for paying the school)?

I was wandering is it againt the law for dept. Collectors to call inlaws business to leave me a message over three times? Also, some one from redline told my mother law that they where trying to collect a dept, told her what i owed and what amount i could settle for.

The CBE Group is growing in size and in this way they are also termenating a substantial amount of collectors that don't see things "thier way" by finding "bad calls" and using this as an excuse. I will say The CBE Group does not care for anyone except the profit of CBE and employee attitude after the "changes" CBE went through have not changed and employees and management go so far as to belittle and discuss in horrible ways the "consumers" whom are being collected from this company is not as concerned with the public near as much as its own motto would suggest

What is the chance of receiving a 1099-C from creditors? I recently signed up with Debt Settlement company. I don't want to owe federal taxes to the IRS. I do have a mortgage on my home along with other bills. Not sure if I am doing the right thing or should I contact the creditors on my own and try to work it out that way. I was with a CCC but I was having a hard time making the $415/mo. payment. Any advice?

Has anyone ever heard of PDL Recovery Group LLC? I received a call from them saying that they represent VIP Cash. I did an application with VIP but when it came to them depositing the money, they put it in an old account that was charged off almost 2 years ago. VIP claimed that I did not give them my new info but I did because I had to fax them a copy of my bank statement. I even called them back to make sure that they got the fax. I told them that since I did not get the money good luck on getting it back. Where do I stand with this? Everything was done totally over the phone.

A little history. I live in michigan. My husband and I had purchased an automobile together and we had to let it go because we couldn't afford the car anymore. This was back in 2006 that it was repo'd We have not been able to pay for it so finally they started garnishing his wage back in April of 2010. We filed our taxes and the check was deposited on Friday of last week. On Monday of this week they levied our bank account. Also on Wednesday of last week my husband received a bonus check from his employer direct deposited into our joint account.

Thanks to this website I have been able to get PIF's on 4 of the 6 companies I had loans from. I am having the most trouble with Instant Loans USA at the moment. I overpaid them $900 on a $400 loan. I have sent them letters stating that I wanted a refund, and a PIF. I reported to BBB, FTC, and AG in my state of Illinois and theirs as well. I got a call at work today from their collections company looking for a payment. I told the representative that I have sent all this documentation, what it said and who I reported them to regarding their illegal payday loan.