how would debt consolidation work if your debt is not only credit cards its retail accounts also?

Goldstein and Assoc. said I need to call regarding a claim filed against me. This is the first I've heard of them. I will certainly call back however I want to be prepared before I do.

2 Weeks of Hell On May 13 my wife received a phone call at home from Brandy at NRC stating I have a past due balance with a pay day loan company. She then wanted my contact information. My wife immediately called me and I called Brandy back within a few minutes. She expressed that I owed $750 but they were willing to settle for $350 and they needed to make arrangements right then and there. I asked her for proof of the loan and she told me I would need to contact my bank. I explained I closed the bank account 3 years ago and have no way of getting that information.

2 Weeks of Hell On May 13 my wife received a phone call at home from Brandy at NRC stating I have a past due balance with a pay day loan company. She then wanted my contact information. My wife immediately called me and I called Brandy back within a few minutes. She expressed that I owed $750 but they were willing to settle for $350 and they needed to make arrangements right then and there. I asked her for proof of the loan and she told me I would need to contact my bank. I explained I closed the bank account 3 years ago and have no way of getting that information.

I received a collection letter from UCB saying I owed $168.40 to Miami U. I vaguely remember paying off my fines to Miami U but it was several years ago & I no longer have the proof. So I sent a debt validation letter to UCB. I received the response yesterday, along with a printout from Miami U showing when the fines were accrued in 2002, interest in 5/03 & my payment for the fines & interest in 8/03. But also included in the charges are charges dated 5/27/10 for Agency Finance Charge & Agency Collection Expense, totaling $87.40 which is what they now say my balance is.

I'll try to make this brief. Up until 6 months ago, my husband and I had stellar credit. What I did not know is that over the past 2-3 years, my husband had been keeping his business afloat using our credit cards...all the big ones, Chase, Citi, BofA, etc. to the tune of at least (at this point with all the fees) $200,000. Immediately, I thought that we needed to file a Chapter 7 bankruptcy and contacted a lawyer who advised us not to pay our credit cards and started the process with us.

I'll try to make this brief. Up until 6 months ago, my husband and I had stellar credit. What I did not know is that over the past 2-3 years, my husband had been keeping his business afloat using our credit cards...all the big ones, Chase, Citi, BofA, etc. to the tune of at least (at this point with all the fees) $200,000. Immediately, I thought that we needed to file a Chapter 7 bankruptcy and contacted a lawyer who advised us not to pay our credit cards and started the process with us.

I read the letter posted on you page and was shocked. I have had the same calls. The caller is very Asian and hard to understand. The background noise sounds like a Jerry Lewis Telethon. They call my office and my cell numerous times and leave threatening messages that they are with the United States legal investigative department and they are filing charges against my social security number, they say it is very important that I return the call or be arrested.

Can a creditor tell one of your coworkers you wages are going to be garnished?