I have a question about Lincoln Capital in partnership with Legal Helpers Debt Resolution. I have $23000 of credit card debt which they claim they can settle by 48% or $10,400. They charge $6900 in fees over 42 months for a total of $17,300.00. And then they claim to save me $6000. They claim to be more than a debt settlement company - they will represent you in court if you are sued. The fees seem a little much. What do you think?

CA going to garnish my wages for federal student loans they are collecting on. Payments are 355.00 month can not afford to pay will not make any other arrangments other thatn this. I have made a few payments and today I paid 1/2 of what was due. They tried to refuse to take any payment at all until I insisted and then threatened garnishment. Can they do that? Where can I look for help?

From Minnesota - 2 PDLs from years ago. SSM and Ashland, both $300.00 each. I have paid $360.00 in interest alone on each. A couple of years ago I closed my account, contacted the Minnesota Attorney General's office for which they collection agency at that time - Lighthouse - returned to sender the Attorney Genera's mail. Fast forward to last month. Peachtree law firm calls my 2 sons - I told them to send it in writing. I will not discuss anything until I get my dunning letter. Today - they call my employer - many times - all the way to Human Resources.

Can RJM collect on a bill from 1994? Apparently RJM received this account in 2004--isn't this past the SOL? Am I still held responsible?

I have a question, I know Social Security if free of garnishments and all but what about pensions? My mother receives my dad's pension(he passed away in 2007) and social security only. She lives with me and owns only a 10 year old car. If she gets sued by her creditors can they attach the pension she receives? We are in Florida if that makes a difference. Thank you very much for any answers!

[FONT=Franklin Gothic Medium][FONT=Tms Rmn]I received a very disturbing message from Rosenthal Stein and Associates, stating that I was being served and that they needed to get a statement from me prior to 4:00 EST so that they could stop legal proceedings. After calling them back, the agent told me it was for a PDL issued back in 2008 from an illegal lender whom I have since sent an letter to indicating that I was aware of the fact that they were illegal and not licensed to lend in my state.

can youstill apply for debt consolidation even though you applied foe chapter 7

Does anyone know which creditors don't participate in a DMP? I know Credit One & Dell Financial Services don't.

I applied for payday loans and some I didn't and it got to be the point that they were taking tons of money out of me so I had no choice but to close the account. I have recently be getting calls at work and calling my parent (which I never put their information on any of them) and now they are saying that they want to serve me with writting bad checks and the number they give me comes out to payday solutions. I get harrasement calls and I am really scare my husband his the same issue can you suggest anything? I live in Maine and not sure what the laws are.

I got a call today saying that I had a pending legal matter to discuss with them and Ineeded to call today. So I did. They were with Barrett and Associates. They said that I had a bill for 456.73 owed to Global Group through BMG Paydaay Services. I have done payday loans before but I did not remember this one. The odd thing is they said the money was deposited to an Alabama State Employee account. I have never lived in Alabama nor do I have an account with them. They had all of my information correct.