I'm over 30,000.00 in credit card debt, I current have two "frozen" accts. 1 @ 2% & 1 @ 9.9, my other accts are @ 11.99, 10.99%. I am barely making it by, I don't own a home, and have no real items of value. Any reason why I should n't file for bankruptcy - other than taking a hit on my credit score?

Any ideas on how to get BOA to put a hard freeze, the bank manager is telling me that I can do a stop payment for $30 on each one . . but I can't afford that either. The account was force closed with a 700.00 balance, which I paid and got caught up. Then asked them to put a hard freeze on the account and NO ACTIVITY, NO WITHDRAWAL, ACH BLOCK. They said they can NOT do that. Yet they force closed the account, why are they keeping it open for ACH's. Any more ideas?

I received a pattern interrogatories via being served. My question is I do own a car out rite can they seize my car and should I put it in another persons name i.e girlfriend.

I have 4 payday loans outstanding and am struggling trying to pay them down and pay rent and my utilities..What happens if I withdraw money on my payday so they can't take all of my money? Do I have to close my account? I want to make payment arrangements with them, but, it will have to be less than I am paying currently every 2 weeks...help!

I received a notice last week from RJM saying they had purchased an old account on Oct 27, 2006. The old account (from DirecTV) was created in 1998. They offered to settle the debt for 30%. Should I just send them a check and get it over with or is this a scam? I've been trying to research SOL, but all this is so confusing. Any help on this would be appreciated.

I need to know what I can do about a couple of internet payday loans

I have recently found out Allegra law has filed chapter 13, however first consumer debt consolidation, who handles the transactions is still in buisness. They took 590.00 out of my account on March 23 and have not payed my creditors. Is there any way to get that money back? I cannot find a contact number for FCDC. I used them to help me with my credit and now they have just made it MUCH worse!

How to stop student loan wage garnishment?

i live in ny and have 3 payday loans that are draining me dry..can't pay them off at once..if they are illegal in ny how did they give them to me

I got a call from a creditor claiming I still owed $600 on a debt I thought I had paid off -- though may not have. Here are the particulars: I was on a payment plan (with the credit counseling service MMI) for an old credit card; the payments were going to a law firm for about 2.5 years. Toward the end of the repayment plan (2009), I called the law firm to verify the remaining balance. Only the law firm said they had no record of the debt. So MMI and I decided to stop paying. This week, a creditor got in touch saying I still owed some money, and offered a settlement.