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does debt management hurt my credit score?

At how many days past due will Chase begin legal precedings? Do they give any warnings? I', 80 days past due and they haven't mentioned it yet. I really want to avoid being sued.

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I am looking for Information on Atlantic Financial Consultants.

I just received a letter from Norman Kalina, Esq. out of New Jersey. It is a debt collection from a payday loan called Aero Advance Financial. Is Aeroadvance licensed or even legal. I am in Minnesota. Is this a letter I should be concerned about or should I just ignore it. I have gotten this letter approx. 6 months ago also then it stopped and now he sends again.

Maybe this is a stupid question..... If your bankruptcy is due to come off your credit report in a year, will creditors take that into consideration & give you a slightly better interest rate than those who have a more recent bankruptcy? Mine is due to come off in 2010, but despite on time cc payments post bankruptcy & I'm still quoted 18% interest on a car loan. Am I doomed to continue paying for my mistake until the bankruptcy is officially off the record or is it possible to negotiate considering my cc payments & the fact that the bankruptcy is due to come off in a year?

It’s the festive time of the year. Thanksgiving is just round the corner. But for most of us who have been living on a tight budget throughout this year, it may not be the right time to arrange for a lavish meal for our family. So tell us how you’re going to arrange for Thanksgiving this time without upsetting your finances.

I've settled all my accounts through either the original creditor or a CA. What is the next step I need to take in repairing my credit? How bad will my credit be? Can these settled accounts be deleted? Thank you.

I have 4 payday loans out. I got myself in a real mess.I can't afford to pay all them every two weeks it leaves me know money to pay bills. I have not paid any towards the loan part it has all been just the fee they charge to renew every two weeks. 1. cashnet.usa 706.93 have not have paid any to the principal 2. Cardinal Management, LLC $325 Have paid 150 but its all been finance fees. 3. One click cash $325 Only have paid 150 but it has been finance fees. 4. Payday loan yes $455.00 have paid 210 again only finance fees. I live in Texas. All of them are internet loans.

i got ripped off by someone who said they were with an attorney and said i was being taken to court the next day if i did not send money i owed on a loan and i would be arrested told my friend this as well dont know where they got her name but at any rate it scared me so bad i went purchased a prepaid credit card put 500 hundred dollars on it called him gave him the number faxed an apology letter to them and they took the money but it went to a driving school in bronx ny well he said he would contact me this coming month for another 500 hundred dollars i went to a lawyer showed him my bank a