If I have the cash to settle my CC account, do I settle before or after charge off? Does it really matter? I mean do I just wait as long as possible before threats of suing?

I'm going to be declaring bankruptcy soon and I'm a little nervous about what is on my bank statements. I saw an attorney back in February and decided that I would declare bankruptcy. I stopped paying my credit cards. Over the last few months I've made some trips to a local casino to do some gambling. The money I took out at the casino shows up on my bank statements. Will this look bad for my bankruptcy filing?

What sort of credit criteria do apartments look for? Are there options for those with credit that's not great? Is it the same kind of pull that they use for credit cards or mortgage loans?

I am also now being sued by 2 credit cards and found out they do not come to the hearings/ pre-trial, and I do not feel comfortable representing myself. can I ask for a court appointed lawyer to represent me? does anyone know?

Thanks everyone for the information that you have provided about Takhar group. I have been receiving call from this agency for about three weeks now. I never answer so they leave messages at all times of the day. Should I just ignore them or call and see what they are up to?

i only have one issue in my credit report bally total fitness,is already on collection with law firm what can i do if i dnt have all the money to pay for it

Does anyone know New York state law on putting liens on vehicles? Can a creditor take my car away? I'm still making payments on it.

I would be interested in an opinion on interest rates. I currently have $35,000 in debt and use an adjustable rate HELOC. My HELOC is at 2% until the end of summer. After that it is a prime rate line of credit. Currently that rate would go to 3.25% At what point would you go to a fixed rate loan? FYI- The fixed rate loans are running 6% I usually pay $1,000 per month toward principal.

I just recently paid a hospital bill in full to Americollect a little more than a month ago. Now I'm getting letter in the mail from west asset management for the same bill offering a settlement. I guess I'll have to call americollect and hope they can fax over the info or something because I can't find a confirmation #.

We don't have any credit card debt, just bank loans and a mortgage, and a bunch of hospital and Dr.'s bills. When all of this was accumulated, I was making considerable more money than I am now. Due to the economy, I lost my high paying job. All of our monthly paychecks go to pay on these bills, and there is next to nothing left after making each monthly payment. Do you have any suggestions?