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My husband and I are filing Ch 7, should have lawyer paid off in about 2 weeks and then they file about 2 months from now. 2 months ago we sold a car and a motorcycle for fair market value to people we did not know. I would not be allowed to reaffirm my car loan as it is $941 a month so I need to buy a vehicle. We are looking at a $14k vehicle. I tried to get a loan...didn't happen even with a co-signer.

In a few weeks I'm going to be getting some cash from my husbands trust fund. He'll get approx. $15,000. While it isn't enough to even TOUCH my student loans. I know I'll be able to settle the 4 CC we have and 2 deficiency balances on auto loans for cars that were repo'd. My question is, what is the best way to go about settlement. How much percentage of the balance should I offer each company. I already talked to Western Mass Credit who is holding one of the deficiency accounts. The balance was about $4,000 and they said they'd take $2,600. Is this a good deal or should I press for lower?

My situation: I had an $11k auto loan, 9k personal loan, and various cc accounts that were maxed out to the tune of 8k. I was able to pay them all due to an inheritance. This was done last month. My goal: To raise my credit score in the next 6 months, and refinance a 75k mortgage. This loan is 100% LTV right now, due to decreased property value. I hope to have 10k saved by then for a down payment. After paying off the Wells Fargo auto loan, they called, wanting to talk about refinance.

I ran across this Law Firm while searching FDCPA, Kimmel & Silverman told me they have handled many suilts against lawyers and CA who do not follow FDCPA Act, has anyone dealt with them?

I have pdl's with several on line places. Iadvance $500., cashnet $500., checkngo 700., paydayone $500., eastsiders $400. I am not yet delinquet on any of them but I am worried. I messed up and needed money. I took one out then another to pay off the first and so on. I work hard and am a single mom. The stories I read and hear can be ugly. I want help and have talked to someone from destination debt sol. I'm still not confidant about going that way. Can someone help me ....please. ( I live in Ohio)

I am negotiating with Chase to settle several cards. They told me a telephone check will be the first of four installment payments. I do not want them to have access to my bank account, however, I do not want that to be a deal breaker. Has anyone denied them access to your bank account?

Hi, I have two payday advances... Paydaymax.com...borrowed 250, paid so far 215.03 Discountadvances.com...borrowed 260.00 paid so far...39.00 I have had over 15 loans with Discountadvances too. Because after I paid one off I would request another because it took all my paycheck. They continue to debit my checking account every week, even though I dont have the money. US BANK won't let me close my account I have fought with them for months now. I have filed a claim with the Arkansas Attorney General, they sent me a claim number also filed claim with the US FTC.

Can someone please help me! I thought I would have heart failure when I was served a summons last week from the local justice court for a lawsuit filed by a company (CACH,LLC) representing METRIS claiming a balance owed of a little over $2000.00 plus interest and lawyers fees. I have never heard of either of these companies, nor have I got a credit card from a company called METRIS. Internet searches just caused me more worry as this company--CACH has lawsuits and complaints all over the country against them for unfair collection practices. So I don't even know if this is legit.

What happens if only some of our creditors file a claim and not all of them? Would it lower our monthly payment to the trustee or shorten the term of the pay-off period? Also, just to be sure I understand....if a creditor does not file a claim, we are not obligated to pay back that debt any longer, correct? Thanks!

i'm sure this has been done before, but i thought it sounded like fun. going along with an idea from shazzers post, since most of us here are adults, you dont have to get too technical, but i would like to ask. "what does everyone do for a living"? i guess i'll start it off. i've been working for an auto finance company for the last 5 years. i get to sit at a desk and hit buttons on a computer all day. sure there is more to it than that but i dont want to get fired for company disclosure, just in case any of my co workers are trolling the boards. =) Next