Hello to everyone, First of all thank you in advance for your answers and advice. I currently have 30K Plus Federal loans in default. I currently have no Wage garnishments (yet). I contacted the collections agency which now owns the loans (EAS) and has set up a payment rehab plan of 9 months for 361.00 a month if i don't they will seek wage garnishment. Im a father of 2 girls (6 months and 3 year old) currently employed at 15 hourly full time. I have asked them to lower my payments at 250.00 and they have said NO to me multiple times.

I have owed the IRS. It started as about 5k in 1999. Now its up to about 50k. First off 25% interest on the unpaid debt is usuary. No doubt. Second off all they do is send letters. I have a bank account a regular one. They don't bother it. I have a paycheck and don't hide. They don't bother me a house and a car. See what most people don't get. Because of all of the BS. The IRS has no force of law. If I hit you in the face. I will get arrested. That is force of law. I sit and laugh at people who run and hide. Who get paid off the books.

IS this a free service or os there a montly fee?

MY son has approximately $20,000 in private students loans which were defaulted on. I have co-signed for those loans and have recently filed chapter 7 bankruptcy. He needs to consolidate the loans and remove me as a co-signer. No one will help him. He is in the Air Force and could be discharged to his credit. Is there anyone who can help him?

I got a letter from MCM...a 'pre-legal' letter. It says to pay X amount or call them by this date...or it may go to an attorney. Has my credit card company...credit card number...approximately correct amount. I wasn't able to pay my credit card bills for a while...so they closed it and sent it to collections...it was with another collections agency...but it looks like MCM bought it. MCM is now on my credit report too. The date is fast approaching and I don't know what to do.

I have defaulted on many ( 9) payday loans all illegal in Florida. I sent the letters stating they owe me $$ and revoked ACH priveledges. One lender marked account settled in full. I asked for a email that referenced the account but they never responded. AMERILOAN has called trying to collect. I told them they owe me and I owe nothing and they must sent me a debt verification letter which they said they don't have to since they are internet based. I said they must to comply with FDCP act. I also spoke with an attorney who verified everything that I did.

I keep getting calls from RJM regarding book clubs that I did belong to years ago. I always paid for my selections in advance online. I contacted one of the book clubs and they also insisted that I owed money for books from 2007.

I recently had joined creditkeeper.com (Credit MRI) to monitor and repair mt credit are they worthy or a scam company.

i want to cash my own personnal check

Hi everyone, My name is felix and im new to this forum. Im so glad that i found this place b/c hopefully u guys can help me like many before me. I live in NY and took out a 247 greenstreet loan for $200 and had to pay back $243. I was not able to pay back the loan in full and so far paid back $310 towards the princible and fee's and still owe money. My bank account is negative and have return check fee's and i never wrote a check, return item fee, insufficant fund fee etc. I paid them more than the princible alredy with the fee's 1.