Trying to decide what the best thing for me to do is. I owe $2400 on a 8.9% fixed interest Visa with 3% minimum payment through my credit union and $500 on a Capital One card with a 0% intro rate then varied after. Also the credit union card has no insurance available to pay the balance should something happen unforeseen. So all in all not bad but with rate caps going off electric in Jan. 2011 and the possibility of the company changing health insurance plans to one we either have to contribute to or that will have higher co-pays for med's etc looking to take control of the situation.

Is it true that if you net less than $200 a week, your wages can't be garnished by judgment for CA? Also, if your bank account is less than a certain amount they can't seize the account? Can anyone point me to a site answering this.

I received a phone call this morning where the lady said she was just calling to inform me I am going to be prosecuted for fraud and well 3 other things and I should get in touch with a lawyer - then or did I want ot take care of this. Now I had this happen to me twice before and I was terrorized into paying over 1,000 both times and I did not receive a paper saying my debt was paid either time.

Hi Nelly i was wondering if a business debt is different we have personal credit cards and business credit cards that are getting hard to pay

Hello, I wanted to know if anyone has any suggestions on negotiating charge off payments?? I have 3 private loans and one credit card that was charged off this year. I would like to set up monthly payments so I can start paying them off. Also, I would like to know my rights as to how much I would have to pay. I checked all three Credit Reports and they have different amounts. The amounts are higher than what was actually charged off. Please if someone could greatly help with this.

I have 8 PDLS and live in CA

Iwould like to open an account with fingerhut

Hi, I just finished paying a debt that had resulted in wage garnishment. I am in Maine, and the agency is limited to charging 15% interest by Maine law. I think that they may have overcharged me on the interest but I am not sure. The whole interest thing is simply beyond my math skills. Is there somewhere I can go to figure out just how much interest I was actually charged? I do have a letter from them with the pertinent figures. Thanks in advance, Ted

hello

I am unsure how this works and the benefits for me. I have callers attempting to reach me all day long. And not only is it annying but very stressful. What is hte best way for me to get the right information needed to find if this method is the best?