We have called many of our credit cards to try to get a settlement reduction on our accounts....and most (especially BoA) will NOT accept a cashier's check. I do not get this...Also some (BofA) insist I provide them with a routing # and account# of my checking account BEFORE they send ANY proposed agreement in writing by mail or fax. They said they need this info so they can submit for approval by their superiors (who they will not let me talk to) a proposed payment plan (3 payments within 90 days).

I am in negotiations with CitiCard. My balance is $21,000 and I am 4 months late. They sent me a letter 2 months ago about settling for $13,000, I don't have that money sitting around so I ignored it. A week ago I rcvd a letter saying that if I didn't contact them my account would be sent to a lawyer in my area. So I called them. I don't have much money, but I can come up with some. So I offered what I had, $5,000. They came back with $9.600..which of course I don't have. So they said they would call in 2 weeks to see if anything had changed.

So I live paycheck to paycheck and I pay my bills every month but I just can't do it anymore. So I am thinking for settling my debt but not paying my bills anymore and saving money to pay them off hopefully one by one. I have a job. I'm not a bum, I just can't afford it. My questions are has anyone done this? Can they garnish my wages? A creditor or collection agency? What am I in for? Does anyone know?

SO - I had a default judgment set aside recently. The judge sent me a paper that says Order to show cause motion granted. The defendant has demonstrated a reasonable excuse and a meritorious defense to this matter. The motion is granted and the matter is restored to the calendar. The case is still in litigation - but the judgment no longer exists. I sent this certified letter (from county clerk) to Trans Union and they said it was "insufficient." They sais that the matter was still an open investigation and they would investigate with the court (who said it could be easily resolved).

I need some help. H&H recently won a judgement against me. I wasn't served properly and I missed the court date. I have tried contacting H&H but no one picks up the phone. What do I do now? How do I avoid having my wages garnished? I'd like to just pay back the debt but how to I make sure that everything is finalized after I pay? AND, how do I make payment if they don't pick up the phone?

I wasn't sure which forum to put this in, so I figured here was my best bet. I did our taxes back in February online (TaxAct I think). I received a letter back in March saying we were being assessed. It was from Massachusetts concerning my wifes' taxes from working there. We got married in June last year and she moved down to Florida with me in October. She worked in Mass until about early July and didn't start working in Florida until December. She never had a single problem with her taxes when she was living there year round.

I am researching for my daughter, who is in desperate need of financial help. She has a car loan that she still owes approximately 2 & a half years on ($500 @ month). A personal bank loan that she owes over $11,000 on (she has a co-signer on this), several Pay Day Advance, Check & Go, Cash Express, etc. A Personal Finance loan, Victoria Secret credit card, a credit card in someone else's name - the card company is dealing with her on this matter as they are aware it is her debt and not the cardholder. She has student loans, (not huge compared to a lot of others).

Has anyone had experience with this bunch? They are a consumer debt relief/bankruptcy firm.

Help I was threaten today by payday loan yes that will garnish wages can they do that?

On my report I have 2 collections from AFNI, INC one is $717, the other is $135.. not sure what they're for.. If I send them a verifications of debt letter how do I identify myself so they can do the research if account # is no listed on my report.. Do I use my SS #?