Which debt consolidation program is the best?

Hi everyone. Looking for some help. Late April, the law firm representing Citibank sued me for a little bit over $7k + the other fees associated with the case. I moved out of my ex girlfriend's last November 2009 so I haven't had a chance to check ANY of my mail. This is my fault. I should've requested to get my mail forwarded. Since then, I have been living in a different city (still in Texas). I just got all my mail today when the ex's little sister gave me the things I left behind. My question is..... what do I do at this point? I'm so confused.

Unbelievable...the stories I am reading about BOA are my own...almost verbatim. The constant calls...misinformation...transfers to wrong departments...one says you have been removed from the program and the other says everything is fine (same phone call) and documents have been sent and you've been approved for the Making Homes Affordable workout. Workout? The only workout I'm getting is dialing their number and getting the run around.

I've lost my job and have been called saying my car needs to be turned in or charges will be filed what can I do to stop this and save my car

Over the last year, things have greatly changed following the death of my father. Back in October I could not afford to pay, but tried to work something out with Target, but they offered no help. Fast forward, and now I have received a letter and calls from Craig R Goodman Law Offices, LLP. I don't really want to file Chapter 7 or 13 since this is the only card that is in default. I asked about a settlement, but I can't afford to pay it at one time. Not sure what I can do at this point. HELP!

how do you get your credit card paid down when you dont have alot of money

Hello, I recently contacted FAFSA to inquire what would be the best way to begin paying on my defaulted loan so I would be able to apply for Finacial Aid this upcoming school year.. I was informed by FAFSA that the fastest way to do this is to do Debt Consolidatioin which if approved the process would take up 60-90 days.. Okay went directly to the Direct Consolidation Lons Website... filled out the loan application online and opted for the ICR/IBR..

I am also dealing with Michael J. Scott, PC concerning a Citibank account. I received a letter via regular mail dated July 22, 2010. The letter stated it was a a written response to my request that they verify an "above referenced debt" --no amount was included. He noted some cases concerning Verification of debt (Chaudhry v Gallerizzo) as someone mentioned he likes to hide behind. First of all, the letter was NOT a written response to MY request that he verify the alleged debt because I NEVER received the written notice of the debt from Mr.

I got a call from edison Patrick and associates yesterday for a payday loan I got in san diego CA and the guy was very rude and said that I wrote a bad check on purpose and that if I didn't pay the 300 by monday that he was gonna proceed forward with the case and have me put in jail and the authorities would find me through my social security number,my home and my work I told him I didn't have the money that I receive government assistance and he told me that he could get that stopped so I tried to work out a payment plan and he hung up on me I am so scared I have kids what should I do if I do

When an account is being disputed, I understand that no amount of money should be showing, but is it okay for them to show dates? I did notice though that the last reported date is now gone and has a n/a where previous it had a date showing. If the account is under dispute, how can they legally show anything? Also, what does it mean under status when it says "no status"? Before it was showing the status as a collection account with an amount, but all that is gone and just the words "no status".