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Has anyone recently been able to get on a hardship program through HSBC/ Home Depot. What I'm looking for is 60 months at 6%.

Hello all! I live in Kentucky, and I was just sitting doing the math. I had a prior ipdl with One Click Cash which is illegal in my state. Can I send a demand for refund letter for that one as well? I took out $300 on 1/12/09 and paid back $975 total from 1/30/09 to 6/5/09. How should I go about doing this if I can? Has anyone ever gotten a refund from them before?

I'm trying like you wouldn't believe to settle with Capital One. I've managed to do quite a bit of DIY settling and reduced interest plans with both my credit and my wife's. Capital One however seems to be a bit of a problem child. On their website, they claim my account meets their guidlines for legal action. They also claim it's only 3 months past due...Not sure where they get that math from, as by mine it's more like 4-5... Anyway they've refered it Global Credit, who really seems to just want to keep me on the Capital One treadmill. WHY?!

Pliskin is the name of an unregistered user continually posting porn links every day, can that user name be banned?

The condominium holds a lien on a property, the owner owes 1 1/2 year of maintance fees and assesments (never answer our letters). Now, this person wants to negotiate and is asking us to release the lien. We are afraid that as soon as we accept to negotiate and release the lien, this person will stop paying (as done in the pass) and we will end up lamenting our decision. What do you suggest?

But does anyone have any good stories about PDL's they've taken? My bf just got a repo notice on his truck - and needs $$ ASAP. Any good experiences? Thanks..

Basically long story short is that I am in a DMP and have most of my creditors in it. I have 2 creditors whom are not and 1 is from Dell for an amount of $1600.00 and one that is an AT&T Universal Mastercard for $3600.00 ARS has the Dell account and Capital Managment has the Universal account. ARS called about the Dell account I only answered 1 call and a guy offered me a settlement of 50% I told him I would have to get back to him as I don't believe the $1600.00 was the correct amount.

I have some private loans that have become too much to handle. I need some advice on whether or not I can negotiate a debt settlement. My main concern is leverage and if I have any. What can I say to my creditor that gives them any incentive to help me?

if i have a court ordered garnishment for student loans is it to late for help with debt consolidation

how do i cut my debt in half