Has anyone had success with Cap 1 recently? I'm at 90 days with $5000. I'm scared to hit 120, so I made a payment to stay in the 90 day range. They won't offer me anything. Not even a hardship program. I think that I made a mistake by telling my creditors that I'm still employed. My guess is that they'll sue me, since they can garnish my wages. So, I'm putting them off for a few months when I become unemployed. Any other advice on how to deal with Cap 1?

Is it better for your credit to get a personal loan, debt consolidation or bankruptcy due to credit card debt?

I posted for the first time yesterday about my payday loans. I'm now desperate, I have so many debits and NSF charges going out of my bank now that I can't pay my other bills. I don't know what to do. If anyone out there has any ideas please help. I'm at my wits end.:cry:

Why would a PDL NOT be able to validate a debit? Is that because they are not licensed in our state to do business? Or will the validation they give me only be for the principal amount of the loan?

I have a student loan for about 7,000.00. I am disable and can afford to make my payments is there something I can do. I am on perment disability.

Hello, There is one CC company that wants to settle, but they keep insisting that I must pay $200 first before a settlement can be made. What do I do in this case??? The outstanding balance is $13,000. Do I take their word for it and pay the $200? They said settlement is not a option if I don't..... If I pay the $200, I don't want to reset the account to current.......please help!

Hello, Was just browsing through google and found this forum figured I would sign up and wish you all a happy new years. Have a good 2010 !!

I just spoke with a card services rep and she asked if my situation has changed. I am currently 90 days late. She then asked how I was handling my other creditors and I told her that I have settled with some and that is what I was looking to do with them. She told me that my card was not eligble for settlement at this time and she did not know since my balance was high 28k. I told her we just settled my wife's account with BOA 120 days late for 35% and it was at 44K. Was this the right thing to do? Or did I give to much info?

does this really help you get out of debtg?

Ok, long story short. Please bear with me. I found out I had 3 bills in collections that I never new about. Went like this 1) Sentry Credit - $1.00 2) Sentry Credit - $623 3) Cornerstone Credit - $99 I Freaked out of course, did some research and decided to PFD for the last two. The first one for $1.00 I found out was interest that was collected on a bill that I paid the OC for in full. The CA wrote the $1.00 off and told me that in order to get it take off my credit report, I had to talk to the CRA about it. Go figure. So I did an online dispute with Experian for this account.