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How is everyone? Good I hope. Things have been well. School and life have been CRAZY! After we moved into this house things have been going fast nowhere in no time. We just finished putting a roof on the house. The kitchen and floors will be next. I truly hope things are going well for everyone.

I have defaulted on federal stafford loans and on private loans through Sallie Mae and am torn up about it. I never wanted this to happen but we just couldn't make ends meet. We really have no other debt that hasn't already been taken care of or is in the process of being taken care of. I do not know how to proceed to get these student loans back on track. The government is garnishing my wages for the federal stafford loans and Sallie Mae has, I think, given the loans through them to a collection agency (who calls every day at all hours it seems).

accumulated a debt while i was in college from chase i t was in the amount of 1000 or so.. couldnt repay. but fast forward now i get a mail from an asset acceptance telling me they filed a complain against me etc.now the debt is 1739. im in ny so i went and checked at the civil court at kings county and it turn out they did . even though the index number on there was bogus . in anycase the lady told me to come down with my id..my question is . should i try and settle it now or should i go thorugh with this whole process. im not sure how much a judgment affects my credit.

Can anyone comment on this company Debt relief associates? I just signed up, but I am scared. Did you like their service? Hated them? Why? Thanks!

I have been saving money to settle a $25,000 cc debt with Citi. I stopped paying the card 6 months ago. They have been calling with offers for months. I finally came up with $12,000 to settle. I called today... they said that the account is now with a law firm (Allen Adkins... in TX). I don't think that this firm is going to settle for $12,000. What do I do now? Citi was willing to settle for that amount... can it go back to Citi? Is this law firm going to sue me now? Thanks in advance.

i live in greenville sc and went to advance ammerica and express checks i cant pay it back, also i borrowed a loan at repulice finance and cant pay it back i wrote down items that they say they will pick but i dont have it and my husband knows nothing what can they do to me?

I am being sued for a 3 year old debt I aedne't heard from in years. What can I do I don't have the money right now

I settled with Bank of America on two credit cards last year. Two months ago I received a bill from a collection agency that said I owed money on the Bank of America Credit Card. I called BOA and they explained to me that my account was settled/closed out, they couldn't access any of my information and that card was sold to Barclays. I call Barclays and they explain that they can't help me, it's in default and to contact the collection Agency. I contact the collection agency, send over all of the paper work ( settlement agreement, pay dates, copies of checks, ect..

I've been reading these messages for about a week now. I am in a vicious cycle and I don't know how to get out of it. I owe the PDL people about 5,000. I finally went and canceled my direct deposit but now I'm scared to death of the aftermath. What do I do next? Am I better off filing for bankruptcy?

Hi! I was looking into a home equity loan through Comerica bank. I got off the phone with a Comerica rep and she told me the main thing they look for is a credit score of 700+ (they average all 3 bureau scores). She said this is the most important factor and next is debt ratio. So. About myself. I have a home that I just got. I am in the process of fixing it up. It should be ready in about 2 weeks. I am hoping to get a tenant for $800 a month.