What is the difference between lack of privity and lack of standing?

I am going to be applying for chapter 7 bankruptcy soon. When I applied for one of the credit cards I stated my income was $31,000 or 32,000. I had just gotten a raise and was just guessing at what my income was going to be. I found out my income was actually $26,300 the year I applied. I've made $32,000 every year since. Will this be seen as fraud? I really didn't think my income was that low that year. I don't know what to do.

I am checking on Account # This is on my son's credit report. I am trying to help him get some things off credit report. How can I solve this? personal info deleted for your safety - Jason

Guess the state finally stood up and DID something!!! 03/09/10 UnitedCashLoans d/b/a unitedcashloans.com The Department has issued a final Cease and Desist Order against UnitedCashLoans d/b/a unitedcashloans.com for making loans to Pennsylvania consumers in violation of the Consumer Discount Company Act and the Loan Interest and Protection Law. banking.state.pa.us

Right now I have about $45,000 in unsecured CC debt, from being laid off a few years ago, and I can no longer swing the payments with cutbacks in hours. I'm looking to refinance with an FHA fixed 30 year mortgage and take out as much cash as they'll allow to pay down these credit cards. I hear people saying that's a bad idea, but I feel I have no other choice other than ruining my credit by going through debt counseling. Quicken so far is the only one that says my income to debt ratio isn't too high to qualify. I haven't called Eagle yet. Has anyone had any luck with these companies?

Does anyone know where to to find a legitimate creidt repair company

what payday loans are lisenced in texas

do you know about square one coast to coast? are they a good company to get involved with to help settle a debt?

I would like to pay atlittle at a time to recover this account. Do you have online pay center. I dont even have the account number from this account.