I'm currently paying off debts, but have run into a problem with Capital One. I don't mind paying what I owe but... was it legal for them to lower my credit limit to less than the balance (which was within my limit) and then slam me for fees for being over the NEW limit they set? I'm not trying to weasel out of what I owe, but this doesn't seem right to me.

how would i go about opening my preapproved credit account?

Does anyone have a good mailing address for them? I would like to send them a settlement offer. I have received correspondance from Jaffe & Asher, should I just negotiate with them instead? Anyone have experience with them?

On the phone with a collection agency, they are going to work with me on a settlement, they do say they need to have a secure form of payment, ie: credit card/checking, What do I need to ask for/look for on their settlement agreement before I send my money to them?

Hello, I am just on my lunch break right now, so I am going to do some more research once I get the chance. I just wanted to use this thread for any questions I may have regarding my default. Basically I ran up more debt that I expected, but due to some of my debt changing hands while I was in school I lost track of quite a bit since they were trying to get a hold of me using old information. That part of the debt just defaulted and I got a letter about paying the debt in full.

The state of VA sent a letter over a month ago that they were going to garnish my wages due to repayment of back taxes from 2006. I contacted them, made payment arrangements. My first payment was due 2/18/11 of $100. Last Friday, the 18th, I was expecting my IRS refund and found out earlier this week that it was intercepted. That amount was $550. The state says I owe them about $1700 total. I was able to obtain 2 of my W-2 forms and in that year, I was also collecting unemployment.

Can I get my money back ?? I have Belford Diploma but it's not valid ...

The more I read about sovereign immunity, the more I get angry. I have found out that payday lenders can make "pacts" with tribal sovereignties AND ARE THUS SAFE under sovereign immunities. See the following articles...some states like Colorado and California are fighting these but Supreme Court backs sovereign immunity strongly.

I just recently started being garnished through a checking account that my boyfriend and I share. All the funds in there are directly deposited from his employer, not mine. Is that legal, since the funds are not mine? I have an checking account in my name only and it has not been touched. Can they garnish more than 1 account?

I've been reading the posts here for a few weeks and I have some questions. To give some background, my wife and I have approximately $100,000 in credit card debt with just about half of it on two citi bank cards, one for each of us. I'm current on all cards at this moment, but that's about to change. I can either continue making payments to the credit cards or pay my mortgage. If I don't pay Citibank, I can pay the mortgage. I can probably get 20K through various means.