I am new to the forum and trying to decide what to do about my huge debt. I have 58,927.88 in unsecured credit card debt. I am not late on my payments yet. I was divorced last summer and got stuck with debts. I haven't found a permanent job (am working for a temp agency) and had to charge a lot of medical expenses when I had an unexpected surgery in January and I was out of work 2 months.

If a debt settlement with a lump sum is negotiated how long is it until your credit begins to improve?

Ok..long winded title eh? Anyhow I was thinking about people who don't live in Texas and don't seem to have any way to battle these CAs who put everything under the sun on credit reports and ignore DV letters for being outside of the 30 day window. I am thinking there may be a different way to do this for those people and it may work. It involved using the FCRA namely, this section: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C.

My wife has a court date for a Warrant of Debt. It will be very hard for her to appear in the court with our little child. Can I represent her in the court for her case without her appearence ? If I can, what I need to do ? Please give some advice in details please... Thanks a lot for the help.

I have 3 payday loans. ACE - $900 I owe $1107.42 MyCashNow - $1000.00 I owe 1415.08 PayDay One is a subsidiary of ThinkCash, Inc. - $1000.00 I owe $1231.58 I live in Texas and am falling further and further behind. I have thought about closing my account with Chase. What should I do? Any help would be very much appreciated.

[COLOR=#008000][URL="http://www.mass.gov/Eoca/docs/dob/paydaylist20090818.xls"]www.mass.gov/Eoca/docs/dob/paydaylist20090818.xls[/URL] [/COLOR] I thought that this website might be helpful. It lists many PDLs with their DBAs, web address(es) as well as their known mailing address. It's actually an excel file when you open it. hope it helps someone!

About a month ago my mother-in-law got a call from a lady asking her to verify her social security number. She couldn't even pronounce my mother-in-law's last name (its not hard to pronounce). My mother-in-law was smart & refused to give her information to the lady. Turns out the lady was calling from Chase Visa. My mother-in-law got tired of the caller's attitude & wanted a supervisor. So the lady got the supervisor on the phone & he talked to my MIL. The supervisor had no idea why he was getting the call, so he had to put her on hold a minute while he talked to the lady who called.

Hi, Your payment shot is here Paul. Have a good time :) Jason

[SIZE=2][FONT=Arial][COLOR=#000000][SIZE=2]Hi All,[/SIZE] [SIZE=2]We were surprised to received a 45% settlement offer from Citi via UPS two day overnight (27K current balance) at 35 days late. And wanted to provide some info on our situations and shed some lights on why we got an offer so early in the process.

This farce company did me in, said assign me guaranteed loan help, made payment no such 2 keep in touch also follow their companys goal just trash talk.So take care & beware another scam & sham.