Hi - I just settled with Barclays for 35%. Two cards left - BOA and Wells Fargo. Thanks again to everyone here:razz: DWD To dare is to do!

I am a 21 y.o single mother. I have a small job and get by basically paycheck to paycheck with some govt. assistance. I defaulted on a credit card debt of $5500 about 1 1/2 yrs. ago. They want to settle for $2700 lump sum which I would love to do but still don't have the cash or anyone to borrow from. I know my credit is ruined but what can I do? Will it go away after a few years and get off my credit report in 7 years? What is the likelihood they will take me to court and garnish my wages? I live in NC. What can I do? I still cannot pay this. Thanks for any help.

I have not contacted them yet regarding closing my account because I thought they were legal. I tried to contact them on Friday but was on hold forever. So now what? They also show their customer support to be: [COLOR=black]ThinkCash Customer Support[/COLOR][COLOR=black][FONT=Arial] P.O. Box 101781 Ft.

I owe on two cards that are now in collections. I haven't been contacted by these companies, but they are on my credit report. Reason I haven't been contacted may be from moving often, phone # changes, etc... From the amount showing on my credit report, I could pay in full, but would like to pay a little less if possible. What is the best way to approach the collectors? Is calling them okay, or do I need to write them a letter? I do not know what my account # would be with them, I'm assuming it would be different than that of my original creditor. Thanks for the help.

Dear Members, This is to inform you all that we recently experienced an unexpected server crash & as a result of this some of your valuable questions and replies might have been deleted. Our concerned team has taken immediate steps & normalcy has been restored now. We are taking few more initiatives in order to avoid such incidents in future. We would expect your kind cooperation regarding this. We sincerely apologize for this inconvenience caused to you. Thanks,

They filed a suit against one of our employee. As an employer, they included me as a garnishee.Since CACH and our employee can not agree on the amount, CACH is now harassing me to give the names of the officers, the bank accounts, list of assets of the company. What can I do.

i live in fla, i have several pdl internet, loans are with ameriloan, which already paid $550.00 for a $3oo.00 loan with ameriloan , and loan with east side , vip idealgelt,loanpoint, not sure what i paid on these , but will check with bank , i need to no if they are legal in fl,

I have some money coming in. I would like to neg. a lower pay-off on 3 accts. What do I say to them and how do I say it? Who do I need to talk to? Thanks

Last December I got a call from a man named Walter Sweet. He said he was with Rephen Law Firm out of New York. He went on to say his firm had a check that bounced three years earlier. He could not tell me the amount or to whom it was written, nor the bank I wrote it from. It was all so wierd. Then he told me he would only take a money gram from Wal-Mart. That is when I decided NO WAY was I sending anything. He got nasty and said they would take legal action if I did not send it right away. I never did and have not heard from them since. They are a scam.....right?