I'm receiving collection letters from a group that says they own an old debt of mine. The problem is the original account number they show from the OC does not match any of my statements. But I pulled a copy of my credit report and on there is listed the OC with this same account number the junk debt buyer is trying to collect. How can the OC have a wrong account number listed and how did this junk debt buyer end up with the same wrong information?

Dear Nelly, I'm begging you to please give some advise. There are far too many rip- off companies and I want to avoid them. I'm just a simple person who just wants to do the right thing. Is it true that with debt consolidation, I will be given a 1099c, which will require me to pay taxes on the interest saved? Can you please recommend a honest company? I'm in such dire need and would greatly appreciate any help. thank you, richie

Hey Guys! Just wanted to say hello to the new community :). Thanks for letting me in! :D

I was looking at means test for ch 7. and i have two questions . can i deducted from the means the weekly amount that comes off my pay check to pay for my health insurance ? I also pay 160.00 per month for student loans , I know the student loans cant be included in bk. but i also detuct the monthly payment from means test to qualifiy for chapter 7 ?

I have stpped payingon my cards. I want to wait 90 or more to negotiate a settlement. What do I tell the cc co. when they call to avoid a lawsuit?

How long will a settelment stay on my credit report? I thought I was doing the right thing to get out of debt by doing this. I have two more bills each $4000 and I dont know if I should settle these too?

Just looked at my credit report, looks like my chase card was charged off July 1st...is that a good or bad thing when trying to settle? I was going to actually call them today and try to settle my balance (I owe 10100) for around 30%...Is this going to help or hurt? Thanks

What happens now?

I have not missed a payment in over two years with FIA services but they are requiring me to pay an interest rate of over 29%. I received a letter from "Mary Davis, Senior Vice President" but with no mailing address and the number provided is always busy. I have had a stroke and am not working and wish to reduce the interest rate. Is there a mailing address for "Mary Davis" or is this a ficticious person only?

how do i get the house out of forecloser and put just into my name