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WRECKED CAR NO INS. I AM SURE THE BANK HAS THEIR OWN TO PROTECTION. NOW I AM BEING SUED. iS THIS DOUBLE PAYMENT. HOW CAN I FIND OUT THE BANK WAS PAID ON THIS LOSS

We are $195,000 in debt and no longer able to make the min. payments. My wife and I have decent jobs and have gotten in way over our heads. At this amount would debt settlement be something we could do or should we hand it over to the lawyers to handle. We would prefer and will do what we can to stay out of bankruptcy. Any advice would be great.

I will try to make this as short as possible. I have successfully settled with 6 creditors over the past year paying no more than 35% of the total due. Our last one was Citi. They have been a nightmare. National Enterprise Systems was horrible to us and we had a settlement worked out for $3500 out of a 10K debt(after all late fees/etc had been added on). However, they refused to take a paragraph out of the letter stating they could add charges onto our account after we sent them the settlement payment.

MY CAPITOL ONE CREDIT CARD ACCOUNT was transferred to a collection company. Now I know it stays on my report for 7 years, but they are reporting I am past due. I am paying a collection agency each month through a debt counseling company and Capitol one posts it to my balance but it looks like I am past due a large amount. Can I write to the company asking to state pay as agreed, it is hurting my credit score.

I got a call today at work from Resurgent Capital about a debt. I was not at my desk so they left a message that they were trying to collect a debt and to call them back. Knowing that I am currently making payments to ALL my creditors I called them to validate the debt over the phone. The woman I spoke to started asking me questions re: my address, phone number, ss # etc. Of course I refused and asked her to tell me what she had on file and I could agree or disagree.

Hi and thanks in advance for your assistance!! I have four internet pdl's and am wondering if they are legal? I am in Texas and the pdls's are: Ameriloan - borrowed $400.00 / paid $240.00 so far (interest only) LoanPoint USA - borrowed $600.00 / paid $540.00 so far (interest only) L & G Finance (Check into Cash) - borrowed $320.00 / paid in full (400.00), borrowed again - no payments yet Ace Cash Service - borrowed $300.00 / paid $270.00 so far (interest only) I can't afford the "interest" on these loans, let alone pay them off! Any help or advice would be greatly appreciated...

I was served by asset acceptance a couple of weeks ago for a $7,000 debt I originally owed to Chase. In the meantime, I have been researching my options and I have an appointment with a lawyer in a couple of days...the problem is, I only have about 2 of my 20 days left to answer the lawsuit. My question is: Is it best to get an answer in before the deadline and avoid a judgment - or is it ok to let the summons go, let them make a judgment and focus on getting the BK through? Hopefully, I can get the initial filing done by the beginning of next week, but not before the 20 days are up!

I thought I would go over my financial records from when I took out my first PDL (9/08. I borrowed a total of $9,400. I repaid a total of $13,902. WHAT AN EYEOPENER. I think I'm going to throw up. Luckily I found this website and got out of the payday loan trap. What a price to pay - plus everytime I think about it, I kick myself in the ** (virtually). NEVER AGAIN......:p

I need to change my screen name but can only find changing password. How do I change my screen name?

I live in Louisiana and have illegial payday loans I have sent letters to for a PIF. I have overpaid on the pdl. I am looking for something that states the contract stating that I will abide by the state law where the pdl is located and not my state is voided if not a licensed pdl lender. Can anyone help. I have checked the Lousiana states sites and can not find anything.