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My wife and I bought a car 3 years ago when our income was about 79,000 a year. Our income now is only 55,000 a year. We are having a extremely hard time making the payments on it along with my student loans. These two items are the hardest to put in a debt program. What options do I have at this point?

Is there any way that I can get the lender to lower the interest rate on a credit card account that they closed?

If I am in hardship programs with cc companies, and am unable to make the payments, does that make it harder to reach settlement down the road? Would I have been better off to not agree to the hardship program?

Does anyone have an email address or a fax number for Discount advances? I can't even find an address. I have called them three times and each time I am told they can't give me that information for security reasons?? I can't even log into my account with them, it says to call them. Any ideas would help. Thank you

I never have a credit card and now I want to apply some cards. My credit history is new and ZERO to start with since I never had any kind of credit before. It’s not a bad credit but a new credit that I have. Can someone please tell me where and how should I apply new credit card to start with?

To close or not to close, that is the question. Whether it is nobler to close you credit card accounts after settlement or not remains a burning question for many consumers. But the question is more than just a financial concern, it’s a habitual and mental concern as well.

Hello Everyone: I am in the same situation, I have 6 payday loans and its a never ending cycle: Louisiana Resident with the following loans companies- Cash Central Ameriloan One Click Cash US Fast Cash PayDay Avenue PayDay One Need help getting started on seeing if I have over paid. I am trying to avoid not closing my account, due to having my utilities and other items with automatic draft. Thanks Migs

I currently owe $19000 on 1 chase card and $4000 on another. My wife lost her job recently and she is 6 months pregnant, so she is having trouble finding work. I have a mortgage and can barely keep up with that, not to mention all the bills that come with a home and 2 children. The bills keep stacking up and when my wife does find a job, once she delivers the baby, we will be so far behind that we will never get out of debt. It looks like debt settlement is the only way to dig my self out of this whole.

I have numerous pay day loans and need help to consolidate, to pay off, i have 17 loans of about $6,000.00 in debt to them.

HOE DO YOU ERASE PAYDAY LOANS, IF YOU CAN NOT REACH THE PARTIES?