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I'm a savey saver... finishing my graduate degree in less than 4 months. I have no debt other than a $145K mortgage and student loan debt of around $100K. When I finish school I will be making greater than $140K per year and I am a single mom of two, so my student loan interest will not be tax deductable. I'm trying to decide if it would be better to consolidate my student loans into my mortgage to take advantage of the tax deduction. Or if it would be better to pay off my mortage or student loan first. Mortage interest is around 5.5% - student loans currently from 6.5-8.9% I think.

Just some questions. A friend of mine received a summons for an unpaid credit card from AT&T Universal/CITIBANK. From what I understand its for a substantial amount. A court date was listed on the summons, and he has to respond to the summons within 20 days or else they will order a default judgement. He resides in the state of PA. From what I understand creditors cannot garnish your wages but they can garnish bank accounts. Is that true? Would they have to receive a judgement before that can happen?

Okay, I ran up the debt, no question about that. Wish to God I didn't, because now, it's down to either eating, or paying the credit cards. Well, maybe I just need to end it all, because these jackyls are going to be the death of me anyway. And to think, the accounts haven't even gone to a 3rd party yet! They are still with the original creditors. They are making me feel like my life isn't even worth living. They won't let up. They are calling my relatives and trying to get THEM to pay! This is Discover, by the way. They won't even call me anymore.

I opened a credit card account in 2002. I defaulted on the card and now it is showing on my credit report. How do I find out when the card went into default? My credit report only shows the last 24 months of payment history and everything is listed as KD. I really need to figure out what to do about this as it is killing my credit report score.

I'm in the process of settling my debts as well as my husband. Here's the situation.... I have a Citicard with a judgment against me of $5,100. Patenaude & Felix (the attorney's that sued me) are saying that the lowest settlement they can get me is for $2,600. I've yet to speak to an actual attorney, I can only speak to my non-attorney account rep. 50% didn't sound all that bad as far as settlement. But then.... My husband has a Citicard that is just as delinquent as mine (almost to the month). He hasn't been sued yet. However his balance is roughly $10,200.

I bought a Suzuki motorcycle a couple years ago. It was financed by HSBC when they still offered the "Suzuki Card". Anyway, it was at 9 or 10% interest, then last year I lost my job and missed 2 months of payments, got a new job, then caught the payments right back up. My interest then went to 17%, then 3 months after that to 24.99%! They told me they sent a letter so I could opt out, but I sure as heck never received that. I get all of my statements online, the told me they sent it by mail!?

Does anyone done that credit card thing with Debt Free Financial Group in San Francisco out of California? It sounded good, but I???d like to hear from someone who been there and done that???

if i can not pay my credit cards due to my husband being laid off and they charged off can I be garnished

Year 2007??? that's an old one... As i'm writing this, it's Oct. 28,2009. I got a call from these guys a few days ago... they weren't able to catch me on phone so a guy left me a message. He said his name is Robert Richards and is requesting for me to call back to a phone number 1-877-471-7847...regarding a person named Jeffrey Damingso (i don't know if spelled the last name correctly) and a file # XXXXXX??? I called their number back...

Langhorne talk to arm (accounts receivable management) they are collectors trying to collect on my loan for paychecktoday and cashadvance network. They settle on my account for $385.00 when i only took out a $300.00 loan. They are illegal in my state hawaii. Is this good or bad?