[COLOR=black]Has anyone work with this company for settlement?[/COLOR]

Hi all, I recieved settlment offer letter last week. As I posted here before, I have two citi card each around 24K. Citi offer me 10K for settle one card. I haven't heard for the other citi card yet. Since I am just less than 60 days behind, should I wait for longer to better offer?

I have $60,000 CC debt. I have a credit score of about 610. Realistically how low will my credit score go if I have zero secured debts. Also how can I repair it after the damage is done? Please help.

I recieved a letter from collectcorp that said my husband's boa credit card for $8000 has been placed them, a collection agency.They have been calling him at work so I called them back and told them I had mailed them DV letter and asked them to stop calling. She asked me to fax the letter because it was faster.I plan to but if I fax it do i still need to mail a dv letter too? My husbands check is already garnished but I am scared.Does anyone know the background on this company or their track record of sueing? We just don't have the ability to pay them.

Anyone have any experience dealing with them. They are the next on my list of pdl's to get rid of. I originally borrowed 300 and have paid 50 so far. I have two payments set up one for 150 and the other for 100. They claim I owe 814, but I know my state laws and stuff like that so after these two payments I know I'll be paid off. Just wondering if anyone has dealt with them before and has any info on what I should expect with how difficult they are to deal with.

Have you ever heard of a company called PDL assistance? If you have more than 1 pay day loan they will consolidate the loans and make it one payment once a month. They will contact the pay day companies and let them know what is going on. I have two pay day loans and one is with ACE that was a store front. My check was returned and i did not keep my obligations and now they want it paid in full. The original check was for 800.00 and now they want 1056.00 in full. I have another internet loan for 400.00.

[COLOR=black]I just got my tax refund back and I want to settle my husband debt with discover card. But I am very scared to call them. With everything that I have been reading it sounds like it is not going to be good. This is the story I married my husband about three years ago and he had really good credit. But when he got divorced he had "of course" half the debt. I came in late in the game he had already started not paying things on time. We let his credit go. It has been about two years.

Is Payday-loan-yes legal in the US. They also go by Global payday loan and cashnet500.com and e-payday-loan.com. They will not give me a physial address so I can send them a money order. They put money in my account that I did not ask for, and I have proof. I know Utah Dept. Of Financial Institutions says they have been looking for them for 5 years and that they are a scam. From North Carolina. Already contacted the NC Attorney General.

I sent letters to a few companies stating their loans were illegal. Some have responded. I am worried about those who did not. What is the next step to see what they are doing? Any advise would be appreciated. My main concern is zip 19 and Instant Cash USA. Neither have responded. Thank you.

So I have a Trial Setting Conference to go to soon and all of the sudden I received mail from Zwicker. It's a Request For Dismissal. They want the case to be dismissed (why?) without prejudice. The problem is that I just checked the court records and it says the dismissal was rejected: REJECT SHEET SENT TO (AMERICAN EXPRESS CENTURION BANK) FOR REJECTION OF REQUEST FOR DISMISSAL DUE TO THERE BEING A FEE WAIVER ON FILE THUS SECTION 2 AND THE SECOND PAGE OF DISMISSAL FORM MUST BE FILLED OUT SUBMITTED ON 02/11/10 So now what? Do I still go? I think I should still show up.