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I need some advice. I have $53,000 in revolving debt. I can't file Chapter 7 or better yet, I am unwilling to put my family thru that. My total unsecured debt is with Chase, Amex and Citi. I have contacted a few debt collection agents, but am scared to move forward, one asked for a Power of Attorney (no thanks). Have tried doing my due diligence with the settlement firms with regards to affiliations like BBB or TASC, but again am very nervous about the promises and sending money to an "escrow" account. I am 2 months behind on Amex bills and current with other creditors.

We are planning to file bankruptcy by the end of the month. However, I really feel I am being harassed. We have a lot creditors coming to the door and placing their notes. They even wait as long as 20 minutes to see if someone gets the note. We have not answered any calls or the door. So is there any fast relief until we file. What do I do? I tried to file a police report but they told me that was not harassment since we owed the loan companies. We live in Texas and these are signature finance companies.

Hey all, I've been debating what to do about my current credit situation. I have a BofA account with around 9K on it, and a Chase account with around 16K. The Chase account is closed and locked into 0% interest, but the BofA account is at 22% APR. I have called BofA and tried to get them to lower my APR, but they won't budge. I can go through debt management, but then I have to pay $35 a month, and it doesn't put me any closer to paying off my balances. I've explored debt settlement, mainly through your very informative site.

i was served papers for civil court, it says it is an arbitration hearing set 6 months away. i owe the debt to bank of america in the amount of 22000, i am in debt settlement program for 9 months now and do not have enough to settle, the arbitration date is in may of 2010 and i will attend it, my question is do i have to do anything now or just wait to attend the hearing in may of 2010?

I'm going to be going to court. And I'm actually happy about it. After taking the advice of so many smart people here, I invested in a small voice recorder. Mann Bracken has be harassing me non-stop for over a month now. They generally call about 20 times a day, but the peak was when they called 43 (yes 43!) times on a Sunday between noon and 2pm. Do the math. That's 21 times an hour, once every 2 minutes.... Most of the time I was hung up on or I got pushed to a voice recording, that's if I bothered picking up. Any how, last week I invested in the voice recorder.

Due to moving I missed the date to send in my payment so my intrest rare went up too high. What can I do about this>

How do I find out if my lenders are legal or illegal? Is there a website I can go to? They are paydaywiz, integrity advance and EastSideLenders. Thanks!

We have a motor home that we purchased in 2005/2006 for about $237k. We owe $197k. We are just now late on our 1st payment because my husband is a framer and can't find work in this economy and hasn't for quite some time. We've eaten through savings and are selling off things to pay our mortgage and basically living off of credit cards and maybe a job a month now. I know, credit cards are a last resort but we have to eat and use gas to find work & get kids to school. The bank suggested we short sell the motor home but we can't seem to find a buyer.

does any one know who npdl is? also is there a template for a cease and desist order for pdm (mycashnow) Thanks

Hello, I am new to payday loans and am looking for some information. I received two payday loans about a month and a half ago, from USFastCash and Ameriloan. After doing some reading it looks like they're basically the same company. Anyway, I've done (I think) most of the steps in the stickies on this forum. I emailed them a letter revoking ACH debit authorization as well as stating that they are not allowed to send me any communication except through email and snail mail. Basically the form letter most everyone probably uses. So, they continue to call me, at work and sometimes at home.