We have 4 credit cards, 2 with Chase, 1 with Bank of America and 1 with Capital One for a combined balance of $140,000. And we are preparing to default with them, so that we can negotiate a settlement. The problem is since I work from home, phone calls would be extremely disruptive. Has anyone tried to send Cease and Desist letter to stop CCs from calling and only contact in writing. Could sending them this letter somehow prevent them from giving us a settlement offer.

Hi, I know that there may be as many great lawyers out there as infamous ones...to that point I would like some suggestions for finding a great lawyer in my area for a consultation of my case(s) dealing with creditors/collectors, and possibly an incorrect Judgment against me. Also I'm hoping this attorney can help me back on the right track to repair my credit and settle any bad outstanding ones as well. Thanks for your time and feedback..

Thanks in advance.

what is the statue of limitation on CA in Florida

Is there a limit to how much you can be sued for in magistrate court in GA? I've got a summons for a 10,000 old credit card debt and its in the magistrate court. They enclosed an affadavit where the person said he worked for the credit card company as a bank officer and affirms that the original contract has either been destroyed or is no longer accessible to the affiant. Without the original contract how can they even be suing? Cach is the debt collector. Do you answer a magistrate summons the same way as a superior court summons?

my account is *** what is the months payment is go to be bill scott balance is 1625.92 debt collector low payment ok personal info removed for your safety - Jason

This is Business Debt. I have three creditors that I owe money I am not late with payments yet. Does your consolidation still show as negative credit to me?

Greetings! I'm new to the whole debt consolidation scene. I've read up quite a bit and, while it has shed some light on the procedure, I still have some questions. I've got about 15k in personal debt, 125k in business. All unsecured. My business just got slammed, it is officially going under water. I do not want to file bankruptcy, I'd like to pay my debts. I contacted one place and they only do personal consolidation. Does anyone know of places that do both? I'm completely paranoid, after reading countless articles on this subject, of internet companies ripping me off.

I heard a commercial on the radio yesterday for Cash Call. They were advertising personal loans. They were offing loans for $2,500.00. They did say these loans are expensive but it is better they getting a payday loan. Wow, how can Cashcall charge so much interest and get away with it. I think cash call and payday loans are the same. How funny. I defaulted on my CashCall loan and now I am starting to pay it back again. They lowered the interest rate by 40%.

I took out a loan with mypaydayloan.com for $400, I've paid $250. I've sent them my C&D letter numerous times and they kept saying I owe $700. Then I got a letter from a collection agency, Detex Agency & Associates. I sent them a debt validation request via certified mail. Today I got a response from them but it only included the online contract. Is that enough to validate the debt? I don't understand why a legal collection agency would try to collect for an illegal lender. Do I send another debt validation letter saying I need more information? I'm in Indiana, btw. Thanks!