Search forum

I wouldn't exactly call this a "winning from debt" story as I don't feel remotely like a winner. More like an idiot for getting into this much debt in the first place. I just settled $55,000 worth of credit card debt today for a little over $17,000. I didn't use a settlement company as I figured I needed whatever their fee would be to add to my pitiful cash on hand to pay the creditors.

how I can renew the judgment after 10 years if I missed the deadline because I was abroad. May I file the complaint again / please tell if special forms are available for such complaints. The deadline- 10 years- period expired in 2007. I am creditor and did not received money from defender.

I am 54,198.09 in credit card debt. 90% is business debt. We have had a bad year in our small business. I paid vendors to keep from getting shutoff. I have tried to get a loan to pay one payment per month. I am paying each one $500.00 I wish I could pay 2,000.00 to one company per month and get out of debt faster. Any suggestions?:confused:

Removed

Hi all, I am hope you guys can help me some input here. My situation: The collection agency tried to collect the debt in 2000 that I did not owe in 1998. Back then, It took me a while to clear all the negative item that they reported in Credit Report Agency. I thought, everything has gone for good. But it's not over yet. Early this month Dec 2009, I got a letter from Collection agency again try to collect the same debt in 1998. My question is: Should I response to Collection agency state that the debt they collect is not belong to me?

In August I filed Chapter 128 in WI to co.solidate my payday loans. I made my first 2 payments on time. However, I lost my job in October and wasn't able to pay over the last three months. I recieved a letter from my trustee saying that my file would be dismissed on 12/31. Now I've started working again and can begin repaying again, but I can't catch up to get back in good standing. I want to know if I let my 128 be dismissed can I refile right away and start over? Anyone have advice about this?

I just wanted to post an update for anyone who hasn't tried the methods mention on this forum. I am proof that it works. Today I started by closing my bank account. While I was waiting for verification that it was closed, and they assured me it would not be opened for any ACH requests, I starting drafting my letters to the PDLs. I am in Ohio, and all my loans are online loans. None of them are licensed in Ohio. Well I have to say that it made me sick as I wrote each letter realizing how much money I had paid them in fees in just this year.

I paid my home loan bill over the phone and made a deposit on my account the same day but after hours. Mortgage company charged once and returned check for insuf funds, and charged late fee. However, comerica bank saying they could try up to 3 times. Can I try to wright them a letter asking to waive the late fees? Thanks!

Hi all, I would love to thank all the contributor's here for the wealth of great info! My situation is this: I currently have 3 pdl's and would like to get them to stop debiting my account and pay them back in February when I get my refund from the IRS. Wish I could spend that $ on something more FUN...but hey I got myself in this mess right? Anyway, I live in PA and I am SO behind on all my bills becuase of pdl's.

Does anyone have a PIF form they would like to share?