Search forum

Hi Im not sure if this is the right forum or not ... I recieved a letter from sears stating that they had raised my intrest rate on Nov 1st the letter was recieved after the 1st. they raised it to 25.24% from 21.99% so i can opt out and close the account and pay it off at the current rate, the card its self is new but i have been a regular card holder for many years. is it a good idea to close it or call and complain? will my credit take a hit if i close it? thanks Rob

I live in NY state and I currently have a default student loan. A collection agency is garnishing wages from each paycheck ( I get paid every 2 weeks). I am having a hard time making ends meet now that this garnishment has begun, Should I try to call the agency to try to negotiate or should I go to court to claim a financial hardship?? can I claim bankruptcy? please help!!! Thanks.

How can I get a default judgment reversed? I was sent a notification that I was being sued for a old debt by Apothaker and given 20 days to respond. I called and told them I am requesting a court date that they needed to prove the debt they wanted to collect on back in July. I receive notice today that they won a default judgment. This is just crazy but true. I checked our local courthouse here in PA and sure enough there is now a judgment against me. What can be done against this lawyer? I am currently not working and am stuck wrongfully against a wall.

If you call a creditor and close and account because you are moving, and they dont close it and keep charging you membership fees+ late fees, which form do you send them or the credit bureau?

hey, just thought i would give you a little chuckle. I have been noticing on my caller id that lgf out of houston keeps calling me so finally i decided to answer it and here it was life guard financial out of houston. The lady (hardly spoke a word of english you couldnt understand her much at all) proceeds to ask if im shonna and i said yes, and that she works for lgf out of houston. and that they are a settlement company. so this is how the conversation goes: ME: Thanks for calling but im not interested in settlement at this time her: I dont think you understand mrs.

Thinking about credit card consolidation.any risk involved

I sent them a DV letter over a month ago and they continue to call leaving a pre recorded message on my house phone to call them back. I am pretty sure the debt is time barred. I know the debt collection laws pretty well, I know they are not licensed to collect in my state for one and know they can't call if they don't validate. My question I guess would be, should I call them back and play the scared consumer?

I am with working with a settlement company but i somehow missed one monthly payment. Is there any chance of me being cut off from the program?

can a US treasury check be posted, so it can be used for collateral against a loan?

Paragon Way (512) 347-1492 ext. 1539 7500 Rialto Blvd. Bldg.1 Ste# 100 Austin, TX 78735 B- rating not a BBB Accredited business