I am working with a company that specializes in loan modifications. I was referred to them by a friend. Before I engage I was hoping to get advice from other DCC forum members about working with this type of company. They charge $3800 if they are able to help you obtain a loan modification. They define a trial plan as a modification. To me this only solves half the problem.

I took out a loan with loan point usa. I paid on it for awhile but just couldn't pay it off. I have a new checking account from when I took out the loan. Yesturday, there was $400.00 taken out of my account by this company. I don't know how they got this account information and I was never notified of this transaction. I live in Nebraska and I don't know the laws. What should I do?

Can you be sued for a debt that is five (5) years old?

Are their any gc service office in any courthouses in los angeles, ca

Is there anything that can be done about Brookwood Loans. My husband has a 3 year $2500.00 loan he has been paying on for over a year, never missing a payment and the balance has actually gone up. It's now over $2600.00. He was let go from his job this past Friday (4/23). We live in Massachusetts.

how much will my credit score drop if I enter a debt settlement program

Thanks for taking your time in reading this. I am torn. I have people telling me that I should let my debt go and attempt a settlement but I am not in a so completely dire situation that I "need" to. I also am battling my own conscience in the matter. If you would give me your perspective I think it would help a lot. Here is a quick run down my wife got pregnant with our third child about two years ago. At that time we were almost completely debt free after just moving into a new house save for the mortgage and about 3k on CC.

I need to consolidate my truck payment, motorcycle payment and other credit cards I am not in collections yet is it possible you can help?

My husband and I have 4 store front-all legal- pdls out. They are due this Friday and we have gotten way over our head and cannot even pay the payment. All but one could do the EPP, but that would be $1000 each payck instead of $700 and honestly we have neither. We want them to go into collections so we can work out a payment plan with a debt consolidation company we are working with. I know that sounds crazy, but that is what we can do right now.