I'm currently going through the process of divorce. I know I have to take a beat on my wallet as the household income would reduce. Anyway, we have quite a substantial amount of debt on credit cards, some are in both of our names and some are individual. My husband has never been very smart with money and his credit is a mess. I am worried whether his debts would affect my credit or not. What can I do so that my score doesn't get hurt?

I owe the IRS some back taxes from 2000. I am currently talking to some bankruptcy lawyers to assess my situation. I have run up a lot of debt in credit cards and personal loans. I was wondering if I can also add these old tax dues to my bankruptcy.

I owe about $14,000 combined...a recent bonus plus savings leaves me about $10,000 cash in hand for payments. I would like to try to turn this 10k into a zero CC balance. Right now, most of my cards are current. My creditors are Chase ($2400), BOA ($2,000) Citi ($6,000), Household ($1000) and Discover ($3000). Amongst the five I would need to average about a 70 percent settlement. Should I immediately stop making all payments and wait 30 days?

Hi All, I was just contacted by a collection agency regarding my overdue CC debt and was wondering if I should go the validation route? I have a settlement offer planned but don't want to tick them off by requesting validation even though its my right. Meaning if I play ball and make it easy for them will the percentage be less or will it matter? Any ideas on this? Also are they any tutorials as far as specifics? Its been about 2 weeks since I was contacted by them. Thanks! Nikky

I have asked MCM several times for verification of a debt that I am pretty sure I paid off. I asked them if they were affiliates of another credit management group in which, just a month before, I had paid the same debt at the same exact amount. They said they had no affiliation and that they would NOT be sending me any verification until the debt was paid. They required me to put $500 down on my debt and they said once it was paid off, they would send me the necessary information.

Hi ~ I'd like to hear from anyone who has experience in debt settlement with USAA credit card. Thanks,

My question is I had a providian credit card the last payment was made in Nov or Dec of 2003....I had a law suit filed against me .....which date do you go by....the actual date you file the suit or the day you have in court thank you

They did the same to me. They deposited $300 in my account and started withdrawing $90 weekly from my account. I have no idea how they got my information. I closed the account and contacted experian incase they try to mess with my credit. I will not pay them for anything they deposited into my account. It was their loss by depositing money into my account without my consent. They keep calling my work and I never give out my work number. So I started calling star cash non stop. I ask for the documents with my signature and they dont have any.

I have tried to make a payment arrangements with zip 19 Collection agency which goes by the name E-Care, and they refuse to give me a payment plan. my question is Should I e-mail my letter to both of them. and do they have the right to garnish my salary. the collection agency told me that they are going to get my employer involved which would not be a good thing for me. please advice thanks

has anyone received a call from this number, claiming to be Joseph & Associates... a collection agency?