I want to thank all of you for posting and sharing. I have been working on settling several cards for over 6 months now. I have been reading and occassionally posting when I had something to add. Chase was my 3rd card. BOA was easiest - settled at 25% at around 110 days. Citi was a little trickier, but also came in at 25%. Chase was playing hardball. Even at almost 180 days, they were still talking about 50-60% settlement and wanting to do hardship program. I kept calling the number I had from their letters and, although very nice people, wouldn't budge below 50%.

Do you have to be behind in payments before you can apply for debt consilidation?

I need a mailing address for Everest Cash Advance ASAP. Can anyone help?

How to determine the finance rate which I can get on a car?

please help me I am lossing house. email me at: email removed

Hi everyone, I just pulled my credit report and found that there was a recent hit from Capital Management Services. A little research shows me that this is a NY based collection agency with a bad reputation. After the death of my spouse, I was left with several large credit card bills which were in my spouse's name. I was unable to afford to pay them, and they are all labeled as chargeoffs.

has anyone heard of cashnetusa.com ? Will they put you on an extended payment plan in Texas if you cannot afford the original terms?

I haven't paid my student loan in about 2 years. I wasn't going to school for a couple of years, even though now I am taking a few classes. I know with some credit companies they will take less money if you pay with a large chunk of money. However, I know that student loans are government run, so I'm not sure, but I think that they wouldn't work that way and I would be forced to pay the total amount. I really just want to pay it off, but I was wondering if I should just pay it off in one lump sum, or start making payments now?

Can anyone tell me where to access the database of licensed payday lenders in Indiana? I cannot find it.

Does anyone know if ABC Payday Loans and E-Payday Loans are illegal in Indiana? I had circumstances arise and I could not pay my last interest charges. I called a payday loan consolidation and they said to close the account, that that was the only way to stop them. I borrowed $350.00 from each and have paid back $350 to E-Payday Loans, but only $175.00 to ABC. I am receiving threats to press charges on me for fraud because I closed my checking account. They also stated they had started legal proceedings against me. All the money I have paid was interest charges.