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Here's a list of the online payday loans I've acquired, I have no idea how much I've paid to each of them as of yet. I am working on that part...BUT I'd like to know which ones are illegal in my state.

I joined this community in April ‘09 when I started to research consumer debt solutions available to my girlfriend to manage her bills following a cut back by her employer (a school district). This cut back reduced her income to a level that only allows her to pay her mortgage, utilities, food and gas.

How is this program different from programs like - transforming debt to wealth?

falling behind on a mortgage in order to pay an attorney to do a home modification loan.This would further damage our credit when we aren't behind on our mortgage yet.

[SIZE=2][COLOR=black]Hi There. [/COLOR][/SIZE] [SIZE=2]I am new here, and after searching online for several weeks now which included searching through Amazon for books on paying off credit card debt, I decided to join this community. I find myself at the age of 52 years and counting with an incurable disease, and more debt ( good and bad depending on how you look at it ) than I would like to have at this point in my life.

I received a request and writ for garnishment of wages last week for 21,430. I called CACH, LLC attorneys and they say it's for a credit card that I cosigned for in 1997 with Bank of America. Problem is I never cosigned a card for anyone in my life and the person they say I cosigned for I've never met. This also has never been on my credit report. I never receive a summons. They may have mailed my old address, but I moved from there two years ago to another state. I suspect the writ may be fake, but my job emailed this to me. I know I need an attorney, but I'm already working check to check.

If you have been sent summons for a debt, however it is from Asset, not the original company, can i contact original company and try to pay them instead?

I hit the Mod board early this AM EST and it was spam jammed. I left a couple there to be blocked. There were also a few that jumped on a thread while I was posting! They got through somehow. The gut selling the PS3, Japanese Garden and teeth whetening are particurarly blatant. You will see them!

I am in a bad situation -- over 70,000 in unsecured debt. unsteady employment since 2007 and currently working on a temp job that is only thru March 2011. I am making $34 an hour but not enough for expenses and credit cards. I have stopped paying several recently and in 2009. Currently FIVE chargeoffs. No one has sued yet. What should I do?? My credit is so bad that I can't even move to a cheaper rental. I am paying over $1,700 just in rent here outside of Boston MA>

My friend has tell me about this forum to get help for getting out from debts. Ok, Now i will explain my problem. I am just 20Year old & under debt of 55K. My income is not good. Days to days my credit is going down. I have monthly income around 3K. Please help me to manage my financial condition. Your opinion is important for me.