Hi- I have 50,000 of credit card debt that has had a low interest rate for awhile. Now the interest rate has climbed to 20% and I can no longer afford the payments. I had always planned to consolidate and repay the debt with my income. The debt management plans that I have spoken to can only offer me a payment that is more than I take home monthly. I am now considering debt settlement but I am afraid of harrassing phone calls and no-one making any payments on the accounts even though I am still making a monthly payment to the agreement. I have 2 kids and a house to protect.

I am currently at 180 days late with Citi Cards as of 5/16/10. I have been speaking with representatives over the last 6 months regarding my financial hardships and about the possibilty of settling the debt for less than full. I spoke with a representative on 5/19/10 and was told that I would be receiving a settlement letter in the mail with the very best offer they could make. No numbers were discussed on the call and I was told if I did not receive the letter within the next week to contact that specific representation to discuss settlement options.

I need a reputable debt settlement company. Most i've seen have a "F" rating with BBB.

I need the physical addresses for: VIPloanshop, Paydaymax, and Cash Advance Network. I've been unable to find them. I need them to file with the MD AG. Thanks!

So I'm a lot closer to the start of my planned default I posted about a while back. I'd like to post a sketch of what I plan again for all to critique. Some particular questions I have in blue. State: South Carolina- No garnishment, fairly hefty state exemptions for property/cash when not claiming homestead expts (me) I've decided to default on all my unsecured loans and settle my debts out. Steps Ive taken so far: Consulted with consumer and bk attnys to check out my options for both. Changed banks to 2 local credit unions.

I posted a thread awhile ago before I was registered. I have 3 PDLs out with VIPloanshop, Cashadvance and Paydaymax. I have already sent my ACH revoke letters and closed my account without any problems. Just got an email from Cash Advance requesting that I contact them regarding my account. This is the letter I am sending back to them. I just need opinions on what, if anything, needs to be added or changed, before I send it. I also intend to send similar letters to VIPloanshop and Paydaymax. I have yet to hear from either company regarding my loan.

Hello DCC forums! I know I will be labeled a troll or a Heartless SOB for my views but what I say is pure HONEST truth. Look you go to these PDL websites or establishments because you need money, am I right? You cannot get money anywhere else, right? These companies, no matter how low you think they are, are doing a service for you, to get you out of a bind or being low on cash, so I don't understand how you people could attack these establishments just because YOU got YOURSELF into debt.

485 U.S. 80 (1988) PERALTA v. HEIGHTS MEDICAL CENTER, INC., DBA HEIGHTS HOSPITAL, ET AL. No. 86-1430. Supreme Court of United States. Argued November 30, 1987 Decided February 24, 1988 APPEAL FROM THE COURT OF APPEALS OF TEXAS, FIRST DISTRICT 81*81 Bruce Ian Schimmel argued the cause for appellant. With him on the briefs were Stephen P. Dillon and Michael J. Kator. Jack E. Urquhart argued the cause for appellees. With him on the brief were Jack G. Carnegie, Paul A. Share, and Emil T. Bayko.

JUSTICE WHITE delivered the opinion of the Court. Heights Medical Center, Inc.

Hi, I received a summons From Cach LLC who bought my debt and I was looking over the summons and there is no contract attached just a certificate of assignment and affidavit written by the custodian of records for Cach, LLC. I wrote my answer letter and affirmative defenses along with a notice of appearance. I denied everything, but I'm just not convinced that will be enough from what I been reading on forums. I'd like to file a motion to strike on the affidative as it's not from the original creditor.

I am still working and make about 70k, my partner makes very little and is fresh off bk. I have close to 30k in cc debt with 4 cards - 3 that are owned by chase & 1 FIA. I have two of the four frozen (1 @ 2% + 1@ 9.9%), the other two are very near maxed and I currently can only make minimum and its killing me. They tell me it will be paid in like 28 years @ the rate I'm going. I can't make it that long. My credit score is dwindling and I have been doing this for 3-4 yrs now and I'm reaching an end. I keep getting John Cummata emails but don't know much about it Suggestions welcome