I owe $17,651 to BoA/FIA Card services. Today I was offered a settlement offer of $5,500 payable over 93 days. I am set to charge off at the end of October. I possibly could do this settlement but I know for sure I could do $4,000. Should I wait a little longer and play it out? I'm just not sure what to do as I dont' want this account to charge off. Thank you SO much for the help!

HFC or Benefical. I had a loan with HFC. I fell behind and a lawyer contacted me. I sent a DV letter but the paperwork was for Benefical, not HFC with no explaination. I just received a summons in which an HFC statement was attached. How do I know they are handling the real HFC account and not some Benefical account? Should I spell this out in answering the summoms? The paperwork they sent me in response to my DV did have my signature on it. I am a little confused and want to make sure they are doing the summons for the HFC account. Thanks

I am currently about 90 days late with Chase on 2 cards with a 30k balance combined. I just received a letter saying that I will reviewed for a potential lawsuit if they don't get some type of payment in the next 7 business days. They are offering a settlement of 30% off the balance right now. Is this a scare tactic to get me to make a payment? Sean

I am an authorized user on one of my Mom's credit cards. The card is showing up on my credit report. I would like to have this off my report as its got a high limit, and its often close to being maxed out. If I am no longer an authorized user (she cancels my card), I should be able to have this off my report, right?

I have been served a summons for court appearance from Suttell and Hammer for a credit card debt from Capital One. My debt is $2800. I have attempted to settle with them and so has the debt settlement company that I have been working with and had no success. I live in E. WA and am unemployed and a single mom. I cannot afford an expensive attorney, but have to appear in court in Wenatchee on Sept. 24th to respond to their complaint. What suggestions does anyone have? Thank you, AH

Can anyone give me information on a phone number? 918-442-0302

A woman by the name of Michelle called me from ARM of Florida at 7:30AM Central Time... I was under the impression that debt collectors could not call you before 8am or after 9pm in your time zone. ARM is an hour ahead of me. Am I wrong???? She left me a nasty voicemail and told me to return her call by 1pm today at 1-877-726-8505, yelling at me that she has contacted me multiple times and that I am now avoiding her calls. (She called 5x yesterday while I was at work, not avoiding her, I was working!) This is for a Paycheck Today payday loan account with a balance of $260.

since i can't get to the bank until the weekend and do not want a pdl payment being deducted on friday - if i e-mail and fax the company today - and put a stop payment on at the bank - will the company abid by my request. the company is ssm/osl

1. Illegal to bother people at work. 2. Illegal to have a recording tell people to wait until someone gets on the phone

Hello! I have lots of debt... lots... makes me sick even saying this, but between my husband and I, we have over 40K in revolving debt. That doesn't include student loans, home loan and car loans. Ugh.... Oh and very little to no equity in our home. I'm looking for some advice from someone who's been in a similar situation or has experience with something like this... 1. Do you really have to let yourself fall behind before creditors are willing to work with you? 2. With a debt consolidation, do you lose your home/cars if they aren't paid off? 3.