What is the best way to plan a budget? Can suggestions?

Please tell me, if you know, if a credit card, or debt collector, can sue my spouse even though spouse's name is not on the credit card accounts. Spouse did not apply for, or use my credit cards. My debts are 90 days past due. When might they sue? Thank you.

I have received a collection letter from this agency for a debt that was mine for over $4,000 which was mine (with First Equity) but ran into some financial difficulty and stopped making payments. I tried to work it out with First Equity early on, but it had already been sold to John C Bonewicz. I contacted them, told them that I could not pay and sent a verification of debt letter. They did not send me much more than the original letter with the name of the debt provider, account number and amount. I believe I sent them another letter saying as such and I never heard from them again.

MRS and associates have been calling me, one to two times per day with a robodialer. The call comes in on my cell phone, rings 2 seconds, then hangs up. The few times I've answered the phone doesn't get a human or a "wait while we connect you" type response.

How can I payoff credit card debts? what are the advantages of DIY?

Hi,i have an issue with a JT Teller and associates for years but have successfully avoided them haha.it started as a payday loan in Hawaii which has sol of 6 years.There,s this year left except i just moved to California,changed my id over etc,now i,m a california resident which has sol of 4 years,also changed my cell number again.can they still come after me or is sol over?

I am in the process of preparing for a bankruptcy. I still owe my attorney around $750.00. After it is paid off, bankruptcy will be filed with the court. All of the creditors that I have contacted have pretty much backed off when told that I will be filing for bankruptcy. The local hospital that I owe will not. They will continue to try to collect on the debt. Won't have attorney paid off until the spring.

Anyone had them call about serving papers? I calked them just to listen, told them I had no idea what they were wanting, and they connected me to another group that says I had a loan with a company I never had. They gave me an email address to reply to, but it doesn't work, also a fax number, but I wish to not fax to them. Do I just ignore them?

I had an $800 loan with Spot Loan and stopped making payments a while back because I was unable. I have already paid them back $924.84 but I have now received a letter from a collection agency - Nationwide Debt Management Solutions - saying I owe $1,209.26. I live in Washington State. I have been reading through the forum and it appears that I should just go directly to a Cease and Desist letter. Can someone please verify if this is correct? Any advice is very much appreciated!

I have been receiving phone calls at my office to payoff a debt which I don't owe. what to do?