How do I find a honest company to assist me with credit card debt? I own my home outright but my full time job pays me less than $14,000 a year. Before the crash I was earning $80,000. My credit card debt is about $40,000 as it took 3 years before I realized this is permenant!

Anyone have any prior dealings with them? They're a law office/collection agency out of Norfolk, VA

As far as credit scores go, how much of a drop in my credit score would accompany me settling with my credit card companies? I have 22,000 in credit card debt, but I would be settling on my maxed out 10k BofA credit card and my maxed out 3k Citi credit card. I was thinking that after I settle all my debt, I'd get a $500 secured credit card which I'd pay off at the end of each month to rebuild my credit. Would it take long to rebuild my credit this way? (I also plan to settle with Amex and Discover, but I heard that they're difficult to deal with.) Thanks!

does anyone have number too national pdl credit paydayloan

We had a loan with cashnet usa online. We live in AZ. we recieved a letter saying they will sue and garnish wages and report to bad check department. Can they do all of this. They want more a month than we can pay. We can pay something but they wont take it. Should we send what we can anyways? Can they garnish wages and sue? are they licensed in AZ? please any help is greatly appreciated. We have already closed our bank account. The loan is for 700 dollars if that helps. Thanks

I'm currently in a DMP with CCCS since May 2009. My sears account has now sent my account to collections. This is after making the agreed payment every month on time for a year through the DMP. Sears accepted my DMP proposal a year ago and even sent this acceptance to me in writing. I just don't understand. I'm waiting to hear back from my counselor at CCCS. This makes be very nervous. I know that creditors are not obligated to honor a DMP, it just seems to me creditors would rather continue receiving a payment each month. Any ideas how this could play out?

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Me and my spouse have too many loans and we need help on a consolidation loan what is process we need to take?

I have noticed two accounts on my credit report that are charge offs where I am the authorized user. Unfortunately these credit cards are my mothers who also added my name in case anything every happened to her. Or so she says. Needless to say she has gotten into financial trouble and quit paying these credit cards. They have become charge offs now and are showing up on my report because as I said I am the authorized user. What do I do to get these off of my credit report? I'm assuming that these are lowering my credit score as well? Thanks in advance.

I have read through this forum religiously as of late. I have two cards that went to a collection agency both from citi bank. They went to client services, inc. I received a letter and it is still less then thirty days. I have sent a validation of debt letter to the CA (client services, inc.). If I do not hear from them within thirty days it's my understanding I write a letter to the credit bureaus to get this off of my credit report. This is the part I'm having a hard time understanding.