I am trying to get a loan modification from my bank and currently don't have a mortgage payment I can afford and trying to get the bank to lower my payments. How do I know if I qualify based on the banks criteria or qualify for the HAMP program? Thank you

Hello Members, Does anyone know of a legite bank or company that will help people with bad credit? My credit was excellent back in 08 until I became totally disabled, that was followed by a divorce, child custody dispute and then a chapter 7 bankruptcy. I`m slowly getting back on my feet again, I own a home in NC and have since remarried. Problem is I still owe one attorney money, I made the mistake of taking out payday loans to try and pay him off.

After my mother's unexpected passing and no life insurance, I found myself struggling to pay for her funeral services. I took out several pay day loans and have since renewed or re-borrowed. It's been almost a year and I am still in the hole and unable to breath. As a single mother I am drowning in debt now and can't get my head above water. I tried, but it is just too much. If I pay just the finance charge every month, I still don't have money for groceries, gas or to keep up with my rent and utilities. It's ridiculous.

how do i get them to reduce the weekly payments, if i cannot afford to pay what they are asking for?

Hi. I am so glad I found this site! I was contacted several times about a debt from a payday loan company..(forgot all about it) anyway,they contacted my nephew who how they did I can not even tell you anyway the proceeded to leave a message on his maching saying that if he knows me he needs to tell me to get in touch with them because I had his name down on my documents (lie) and that I am writing bad checks all over the place...I was furious...can anyone help me with this,how I can turn the tables on them so to speak????

Hi, I've been working on negotiating a settlement for an AMEX debt I have outstanding. The debt has been referred to NCO Financial and we have come to terms on the amount of the settlement. They have sent me a letter stating the settlement amount and that AMEX will be notified that the account is settled once NCO receive the funds. I want to make sure that they are not playing me and that when I pay this amount that the debt will be settled. Is there anything else I should add to the letter? Like what status should this debt show on my credit report for example. Any other ideas or help?

i recently had my credit pulled for mortgage and found that a judgement had been found in 06 for lvnv funding. when i called in an attempt to verify the account and set up payments they could not assure me that the debt they referred to was for the judgement. i want to resolve the judgement. should i send a letter? if so what should i include.

I have drowned myself in payday loans. I have 11. Researching on here, most of them are illegal. Any help.

Ok my question is about a payday loan I took out for $600 and have already paid $507 in interest I live in Illinois and the co is cash direct express, I got behind after trying to work a payment arrangement after loosing my job they wouldn't budge so I ended stopping all transaction with them thru my bank now I'm in collections with them which is alliance assets and they are telling me I owe $746 someone please help with this what can I do thanks, Amy

I was in my local cigar shop today and havent been there for months. Funny enough the phone rang and it was for me. Now keep in mind I am just a customer and this is my first time there in months. It was a creditor for $700. How did they know that I was there how did they get that number? Is someone following me? And when I asked the owner he said he has never gotten any calls for me. Maybe they tapped my phone? I dont know but really has me baffled.:confused: