Let me start from the beginning, please bear with me. Five years ago I moved to a new state to be on my own. I didn't know that I didn't know about a lot of things and when credit cards were thrown at me I started to abuse them. I ended up broke as a joke and got involved in hard drugs, actually that was what caused a lot of the being broke part. Since then I sobered up and went back in school and now I'm starting my life over. Sort of... I still have a list of defaulted debts when I look at my credit report.

what is the percentages taking out from each paycheck in the garnishment process?

At what percentage can a student loan garnish my wages

I have one credit card left to settle and it is with BOA for about 12K. My first missed payment was in October 2009, so I am nearing 4 months past due. For the first 90 days or so BOA called regularly, I explained my hardship and requested a settlement. Each time they told me that I was not eligible for a settlement. Oddly, I have not received a call from them since right around the New Year. Does this mean anything? Are they just letting it charge off? Should I start calling them and making settlement offers?

Greetings everyone: I have a loan from Upfront Payday and I do owe a balance. They are registered in Utah. I am in DC and the payday laws are more checking cashing based than PDL, thus making internet lending illegal. How will this work. I told Upfront they will only receive the principal payment because in order to lend money to district residents, you are required to have a money lenders license and I do not see that they do, in DC? Comments anyone please. Thank You.

i have 3 internet payday loans, 500fastcash-250 balance is 175.00 everestcash-250-just paid the 75 renewal fee for a month loanshop-250-paid 100 are they legal in california? an is the renewal fee legal? i paid off the 250 with the renewal fee but that wont count that against the principal [RIGHT][/RIGHT]

Hey there, I am a 21 year old student in georgia with 7k in credit card debt. I have no job, and really no ability to get one, as for I am a full time student in college, who's major requires a mandatory out of class work session of 20 hours a week. Between classes, and this practicum, I am unable to hold a job, and balance my studies. Things had gone down hill starting in august when paypal charged the wrong account (my checking account was second priority, it bypassed the first one, my paypal buyer credit), and withdrew me, costing me hundreds and hundreds in over draft fees.

Can someone who is smarter then me please clarify if it IS in fact ok for a company to use restricted on their caller ID? Cash Call keeps doing this to me but because it shows up restricted I have no way of proving that they call back to back to back (an average of 5 times in a hour)

What impact does debt settlement have on the credit report and for how long? Is the effect as dramatic as bankruptcy?

ARe 1099s sent out for DTCC encash payments?