After reading through a good portion of the articles as well as a number of the forums on this website, I've determined that my best strategy is to try to get a settlement for my outstanding balances on three cards: an AMEX Blue card, a card with Chase, and a card with BofA. I am a little over 60 days late on my AMEX Blue card. I've called AMEX a couple times to keep them informed of my financial situation and of why I can't pay right now.

My daughter is college aged and unemployed. Her medical bills are $12,000 and collection agencies are trying to collect. Daughter moved out of state, two months ago, but the bills keep coming to my address. Most of the bills will be SOL, in her new residence state, within two years. In this state, where she moved from, the SOL won't expire for four more years. Her new residence state does not allow garnishment. I did not co-sign to pay her medical bills. They can't sue me, can they? Is it likely that they sue my daughter, and get a judgement even though they can't collect?

need a address

I have two collection agencies calling but neither are showing up on my credit report. I have four collection accts on my report now that I am trying to pay off first. Should I pay the other two even though they aren't showing up?

I have quite a few payday loans from Missouri. I am thinking of consolidating my payday loans with a payday loan debt consolidator, but before I do that I want to get rid of the illegal payday loan companies I don't own money too.. :) Here are my payday loans... Nationwide Cash 900 1800899cash - 480 Click4payday - 500 checkcity - 500 cashnetusa - 500 paydaymax - 1200 ameriloan - 300 East Side Lenders - 780 left (but borrowed 1000) magnum cash - 1200 In the state of MO, it says I can only borrow $500.