I think that because of the rising demand for student loan consolidation it has become harder and harder to do lately. I currently have student loans from three scources: A Federal subsidized stafford loan from the Dept. of Education, a couple of Terri loans American Education Services (formerly BofA), and a Select Student Loan with Sallie Mae. The first of which is a federally backed loan; while the latter 2 are privately owned. The total pricipal balances are equal to appx. 67,000.00 @ 15 year terms (maximum length) totalling just over 550.00 per month in payments.

My spouse and I have been living apart 1 year. She filed bankruptacy in her name but included our home, home equity loan, and a vehicle, all of which I have in my possession and have been paying faithfully on for the last year. Both our names are on these loans, how can she have filed without me knowing about it. Is my property no longer mine, do I discontinue paying on these loans, will the property and vehicle be repossed? can you help with answers

I've been doing research, but every time I think I'm getting somewhere I hit a roadblock. My credit is actually good considering the amount of revolving credit because I always make my payments. I would also like to stay away from damaging my credit score. My roomate lost his job and I won't be getting rent for a while, so soon I won't be able to make the monthly payments. What would be the best way to take care of this? I'm a home owner and owe $66,000 on the mortgage. I'm not sure what the house is worth. I think around $120,000 but I'd need to get it appraised.

Why isn't someone prosecuting this bum to get some jail time? So, he's filed bankruptcy....Big deal! Due to my disability, my wife and I were unable to keep up with our debts, so contacted this "Debt Consolidation" company to try and work things out with our creditors. $26,000 later paid to this crook, we're in worse financial shape than we were at the outset. Stupid? Yes, you could certainly call us stupid. No doubt, we'll have years, probably the rest that I have left, trying to catch up with our debts.

I have loans with cashtransfercenters.com paycheckstoday and impact cash llc, does anybody know if they are legal or illegal in illinois and is there a way to get out of them. 2 of them rollover loans and i know thats illigel in illinois.

I have pay day loans in ILLinois, How do i Know if they are illegal or not and can someone tellme what to do?

OK, so now this number is calling my work asking for me - he's indian and asked if a family member was there 1-206-445-6969 - anyone?

Reading up on this forum and got a lot of useful information but still.... i couldn't get a 35% offer. I am a DIY and was wondering if most people are getting 35 cents on a dollar when settling? I worked so hard, spent hours on the phone and can only get 40-50% at best. I am drained and tired too. So, it's true everyone getting much lower than me? Is 35 cents on a dollar so usual? Really, am I that bad a negotiator? I think I tried everything - sobbing, explaining, being nice and smiley. I mentioned bk too.

Creditor's Financial is harassing employees of a former business I had. This is for a business card that had their name on it. They threaten to give them a poor credit rating based on it. In one case, they even cited the employees ssn. I don't think I would ever give that. They only asked for names. What should I do?

I recently received notice from the VIP Loan Shop that my loan is considered paid in full. I have the e-mail in hand and plan to hold onto it FOREVER. However, for the past several days I have received approximately 2-4 calls a day from Phoenix Debt Management/Professional Debt Management. They do not leave a message and I have simply done a reverse look-up on the numbers. Because the loan is now considered paid, I am not terribly concerned but as I am nearly back on track and out of payday loan hell, it has become quite a nuiscance. What is my best plan of action in dealing with them?