My husband has a judgement filed against him dated Nov. 2010, he did not go to court and as of yet no wages have been garnished. Now today we receive a letter in the mail from Northland Group Inc. Offering a settlement agreement, reduced total amount to be paid in three installments. Last we knew a collection law office was handling this account. Originaly it was a Capitol One CC. How can they offer a settlement when it has already gone through the court? Do I send them a DV letter? I can not take advantage of their offer t this time, but what should we do? Thank You for your help.

Can I get one loan to pay off my debt without having them contact my creditors to reduce payments?

I've sent a debt validation letter to a creditor. I received a notice in the mail telling me that I owed about $1,400, though they only provided statements from the credit card showing a $50 balance. Can the rest be in fees? Is it even possible to add $1,350 on what they claim is a $50 debt? Should I contact them and ask them to explain how they came up with the $1,400 amount? Thanks, C

I owe about $3,200 to 8 check advances. After paying the montlhly fees, I only have enough to pay for rent, utilities, some groceries, and sometimes my car note. My husband is out of work so he is unable to help with these expenses. Then I became sick, couldnt walk or work. My health is better through medication. I defaulted on the payday loans this month and they have been calling. I tried calling the CFSA, but have yet to get a return call. I need serious HELP!!!HELP!!! I dont want to do a 2nd bankruptcy. What can I do

I am current with my Advanta business card, but my busiess is in the dumps (real estate!) and I cannot afford the payments. I'm paying 21.99 on $19,500. Anyone know if they will settle for 50c on the dollar if I offer to pay in one lump sum (I can borrow the money)? Since its a business card, will it affect my credit?

I applied for a refinance of my car loan (which is currently 11%) and the bank came back with a loan offer of $25,000 at 17% (simple interest) for 60 months.. They said they would payoff the car and my credit card bills in one loan and that I would even have some money left over after paying those things. My monthly payments would be a little over $620. I plan on paying more per month because I do not want to carry out the loan for five years when I only have 2 1/2 years left on my original car loan. Also, my credit card interest rates are between 18 and 25%.

canmy wages be garnished for an student loan

Kimberly credit has been taken over by federated fin serv. What the heck is going on? Can't find any info online...or call KC..only answering services. I'm so close to being debt free...ugh!

how can this company continually look up my credit report info? and also nco financial is doing this, they only contact me by phone and never anyone on end of the line, or not leaving messages, everyday this is going on, i have no idea what they want at all, how should i contact them? say what?? thank you, i need help

To Whom it may concern, I have NO idea where this bill is from, can you please tell me why I owe 816.63 to a business that not only went under but I haven't been in in 20 years? All of the sudden, I have gotten 3 major credit hits when I cleared everthing with all 3 major sites more than 3 years ago. I haven't had a Mervyn's card and do not believe this is my dept. More information is appreciated. Thank you, Ingo