Hi, My friend is in over her head with credit cards: Chase - 13,019.13 Barclays - 25,596.98 Bank of America - joint account with mom - as of last month 11,195 She just graduated school a few months ago and working as a massage therapist so she is not bringing in much money yet. She has no savings-- about $800 in her bank account right now. No home equity, nothing. She currently can't pay her monthly minimums which are around $1200/month (I think). Here is what we are looking at doing: Keep the card with her mom current.

I have a number for Advantage Debt Services it is 1-877-379-0990. The lady with whom I spoke some months ago was named Mariam. Does anyone know how to contact this company?

i am being sued from a collection agency representing a housing management company, me and another person signed a 6month lease and were asked to leave because of a police report concerning the other party i lived with, i am willing to pay my half in monthly installments of what i can afford, i am single mother of 3, will judge accept it or will i lose in court and have to pay all of the amount which is around 2900.00? it isnt fair they are only going after me when the other person signed lease as well, i dont know whereabouts of other person.

We have a medical bill that it with a collection agency. I have it set up on payments, we owe it, I've talked the hospital etc. So I know we are paying the right people. My question, they call constantly around the time the payment is due. Can I send a cease & desist letter to stop the phones calls? Or will that mean that they can't collect on it at all and they won't accept my payments?

So, got a call yesterday from a Matthew Allen, telling me I needed to call 1-888-778-6049 immediately. If I didn't he would serve papers on me due to a civil suit. Today he called again, this time leaving a message that since I had not called he would be a the address on file tomorrow at 2PM to serve me. I called the 888 number and a woman answered. She refused to give me her name or answer any of my questions regarding the debt. I asked her to mail a debt verification letter to the address on file and she stated she didn't have to do that. She refused to give me their address.

I keep getting calls from collection companies regarding my wife's debts. My wife passed away this past April and I notified all of her creditors. I also explained that there is no estate. How do I respond to these collectors?

I live in Missouri and I have a payday loan with Zip 19. My hushand got laid off so I did not have the money to pay it all back at once. I tried to make arrangements with them to pay back the $777.97 but they will only take the full amount. If I do not pay them back next week, they have informed me that I will be forwarded to thrid party collection and a garnishment will be taken out of my check. Can they garnish my wages? If so, what is the process and how much can they take? I am willing to pay them back but they are unwilling to work with me. I need to know what my options are.

I started the debt settlement process several months ago. So far, I accepted a fixed interest rate reduction on Wells Fargo and Citi cc's. Capital One has been difficult to say the least. I have 3 Capital One accounts. Two of them have been sent to NCO and the 3rd is at Alliance One. They are all 146 days late. So far they are only offering about 81%. At this point I actually would take that if I had it to give. I honestly just don't know what to do. I had planned on saving the the money that I wasn't paying them to use toward a settlement.

Hey, everybody! I wanted to let you know that I have been working on my 10 pdls in the state of Texas, with much, much help from this forum. I went to Bank of America and closed my account and put a hard block on it, although we had 2 separate accounts there already and left the 2nd account open, which is a joint account and I was told would be unable to be accessed. The lady at the bank was more than helpful and extremely understanding, causing me to believe that a good decision was made by going to speak to a banker in person, though it was a little daunting at first.

I was trying to find a template for the C and D letter. Any suggestions? Thanks in advance!