I have found that each business has its preferable credit reporting bureau. Can't I compel a business to report my transactions to each of the 3 major bureaus?

Hello, I am a single mother that has made financial mistakes and wants to take control and be educated on budgeting and financing but first need help getting out of the debt I am in now.

I want to go for professional help. But, if I sign up for counseling, is it mandatory to enroll in the debt relief plan?

I need to get the contact details of the payday lender. I took the loan online. But, I have to get their contact details

I have heard about opening a Christmas account in a bank - What is that?

Hi, I'm bit confused. Recently I saw a comparison between bankruptcy and proposals(http://www.billfixer.com/bankruptcy/proposals-vs-bankruptcy-which-is-better-for-you/). I'm owing less than $250,000. Which one to choose? Can you please help me? Thank you

I don't know the answer, so I'm posting the question as my friend has asked me - "Can you do debt settlement yourself?" Are there some skills required to do so?

I live in Ca I was just contacted by a company out of Atlanta saying that HSBC is going to take legal action against me for an unpaid balance and that I will be served by the sheriff, if I don't agree to the amount. I requested something in writing they told me that they could only do that if I agreed to pay. This balance is from 2012 (I was under the impression that the SOL in Ca was 4 yrs). He said that he had negotiated a settlement on my behalf and that I had received it, however the address he said I lived at is more than 6 yrs old.

Hi Soaplady, I noticed you have answered a few question regarding GPL. I live in WI and had a 1,000 loan from then back in July. Upon looking at the WI payday loan regulations, the max amount including fees & interest is 1,500 and 90 days in duration. I have already paid about 1,2000 total but they are claiming I still owe due to interest. Should I send them a letter with that information stating I will not make any further payments, or what is your suggestion? Everytime I call them its a different story, or they "lost a payment" (I keep all my receipts), just very suspicious.

If a person becomes a victim of identity theft, is he/she responsible to repay the outstanding balance? I hope not.