Hi, I live in Michigan and after researching found out that credit card company cannot hold me liable for spouse cards. They are not jointly held. I settled ones in my name and am now starting hers. If they sue her, they cannot garnish my wages but can go after joint checking account. I set up new account in my name only. Could put lein on home but underwater and do not plan on selling anytime soon. Am I forgetting anything?? If they sue, what would they get? She does not work and my income cannot be garnished. I am self employed. Thanks

The first time I posted here, I'd been using this site to research and learn. I thought I had figured out exactly what I needed to do. But I'm scared to close my account and send those letters to Magnum Cash Advance and PayDayOne. I had a lady e-mail me about debt consolidation/settlement. Do you guys recommend going this route or trying to settle it myself. I honestly don't care about settling for less than what I requested; I just want this to go away. I'm very scared of everything I am reading about these evil companies.

Hi everyone. I too have decided to take the plunge, I am hoping to do this on my own but am concerned about a few things and have a few questions. 1. Will I get calls at work immediately? 2. Will my referenced be contacted? I initially wanted to use a consolidation program but it sounds like I may be able to do it on my own.

Hi my name is Tina and I live in Texas! Which Ive heard doesnt offer much of any solution if you need PDL help. I have 2 loans one i owe $586 and the other $1000. They are both store front. I have had the larger loan for about 8 months. I havnt kept track of what I have paid them but every 2 weeks for 8 months they got 180 out of me! The $1000 is with The cash store and the other is with check n go. I have my been so unhappy with my situation for months and im in the PDL quick sand. I CAN NO LONGER PAY THESE.

I have sent a certified letter to NCO Financial detailing to them that they need to validate the account which is for medical services. The total amount of the bill is $50, however, I only took one injection and paid the physician office. We went back and forth, I called the billing office, they advised me 2 years ago that they would take the information out of their system showing I did not owe the payment.

Wife just talked to a couple of the credit card companies we have debt with. In chatting with them and agreeing on a lowered ""settled"" amount, the agent mentioned something to her that she wasn't sure about and not comfortable with; 1. they mentioned the difference in outstanding principle and the settled amount it taxable income and 2. Agreeing with the amount, once reported to the credit bureau, i.e.

can you put doctor and hospital bills along with your credit cards on a debit consolidation?

Is your credit card debt forgiven once you die?

After being on this site and getting information I needed to take on these thiefs I have been making not threatening inquiries regarding my accounts with the following internet payday lenders: Instant Loans Now: I called questioning why they continued to take out only interest when their website states they will take out additional money after 5 payments of principal only. The guy "looked" at my account stating I actually did pay my account of in April. Well I had made 3 payments since then. He called his supervisor and the account is now paid.

Can social security be garnished?