I will start negotiating with my creditors soon. I have some medical bills and credit card bills. I have not made a single payment in the past 2 years. I have received settlement offers from some of my creditors. They have offered to cut down the outstanding balance by as much as 65 percent. I’m new to all this. So, my first question is, will I have to negotiate with all my creditors at once? Should I ask my other creditors to make similar settlement offer? How can I be sure that my accounts have not yet been charged-off? I live in Oakhurst, CA if this piece of information helps in any way.

I have a car loan. I have taken out a car loan from a lender in Das Palos. The loan amount is $15,000. The monthly payment amount is $450. I wish to build my credit gradually. However, I don’t have any intention to pay high interest rate on the loan. Should I repay the loan early in order to raise my score?

A collection agency is suing my mother for her ex-husband's credit card debt. The credit card was taken out around 3 years ago. My mother used to live in Rio Linda city back then. Now, she lives in Florida. What are my mother’s rights?

I have several payday loans so had surgery and got to where I could not pay them. I just signed up with a Payday Support to help me to settle this. They seem weird and unresponsive . Are they legal or not!

Someone called me a few days ago and said someone filed a complaint against me. Today(May 9, 2013) a recorded message was on my phone that a summons was attempted to be served and I must call 1st national collection . I don't know what to do, or what this is about? Should I Call?

So after QXL online took out $250 without my permission I filed a claim with my bank, since the account hadn't been closed yet. It is now closed, but there could be an issue with my new account depending on the outcome of the claim. Bank of America temporarily refunded the $250, but it may be reversed depending on my claim. I received a document about my claim that I need help with.

Can anyone help me I have a loan/payday LAN with ameriweb loan and CWB services. I've read in places the aren't legal in SC so exactly what does this mean? My account has been over drawn and they've gotten zero from me as of now. I tried to make a $200. Payment to ameriweb but the refused it. I also have another outstanding with plain green who sent me to collections. Now I read there are laws in how many loans one ay have out at once. I need help I want to make payments but not sure how to go about getting them to allow it.

West River Cash as been deducting money out of my account since January for a payday loan. I have no phone numbers to contact to payoff to stop them from taking money out of my account.

Hi all, I have debt around 36K and 4 payments past due. I called customer care regarding settlement. They said lowest they can get is 11K spread over 90 days. But they refuse to do any kind of letter. Did any one get settlement letter? Should I pay them without letter what is the process? Thanks, An

I brought this up a few months ago. I think that it would be helpful to have a list of the lenders that have been dealt with - just stating where they are located - tribal, offshore, etc.... I would be willing to do with some assistance - I had stated a spread sheet in excel when first brought up.. Let me know your thoughts.