Hey, I posted this here as I do not want the usual trolls to call me a deadbeat, etc. But seriously, how are people who are struggling getting by? I am a month behind on rent, and owe this month's rent as well.. I have about $1000 or so in legal bills and all other sorts of bills I am behind on. I got behind because I was sick so often this year..

I am 120 days out on three B of A owned cards. With all the fees and interest we now owe $43K, and they offered to settle for $17,400, thereby writing off 60%. I told her we cannot do that much, which is absolutely true. Does anyone have any knowledge as to whether they will continue to offer at less? She said the team working on my file stamped this as their offer. We are current on house and car, so maybe that doesn't work in our favor. Any help very much appreciated. I am concerned they will not come back with a lower offer, and this was by telephone. Thanks.

I am trying to find a reputable debt consolidation company which will not cause judgements or lawsuits against me.

I have been dealing with Payday-loan-yes and let me tell you are unwilling to do anything. I have written a revoke there ACH right and they withdrew 350.00 from account so I put a stop pay on the item. The bank honored it. But now I'm getting the threatening calls. There using very bad language at me. Telling me that I need Therapy and that I need to get the stick out of my butt. I have told them I forward everything up to the FTC and they don't care. This is the last letter that they sent. Your account is now 30 days past due.

What legal actions may a debt collector (as defined in the FDCPA) take?

Hello again I have a question about some things to do with a chapter 13 case. I am in an active case at this time and have bein it for almost three years and am looking to find some info on surrendering the car and the home that is included in the payment plan. :rolleyes: thank you:D

Just wondering if anyone has settled with wells fargo recently ?

I agree to Credit Solutions service a few days ago. After reading customer experiences I'm so afraid that I'll end in their position. There is a way for me to end this contract? I didn't signed Limited Power of Attorney paper yet.

do you pay tax on forgiven interest?

xxxxx