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Things have finally started to turn around financial wise. I recently got current with all my debts. I currently only have one Credit Card, BOFA. I'm carrying a balance of $14k @ 6%. My credit limit was $21k. Well today I went in to make a payment, I paid $4k cash. A couple hours later I call to see if they will raise my limit. Only reason is for emergencies and maybe help out the FICO. So after reviewing my credit they say we are reducing your credit limit to your current balance. WTF! My credit was in bad shape for 6 months after a job loss, and medical expenses.

H&H got my acct from Citi in April - literally one day before I called Citi to tell them I wanted to settle! *sigh* I've sent in requests to settle @ 40% (May) & 50% (two weeks ago) and they've responded w/a lawsuit. *great* So now what are my options? I owe several other creditors a lot of money (default on 4 other accounts) and don't have much money of my own (settlement money was going to come from family loan... yeah, I mentioned this in my letter to H&H though said it was too limited to pay @ their proposed 70% level and pay everyone else too).

If the debt Portfolio is billing me for, is really mine, it is way past the S.O.L. I asked for verification/validation and they ignored me. If I tell them the debt is past S.O.L. can they send me a 1099c? Any time you tell a collector a debt is old and past the S.O.L., is it likely they will send a 1099c? Or when the S.O.L. expires, do they just have a year to send the 1099c?

My husband and I are at the end of a financial mudslide, and have so far been current on payments, but that it is all ending. Credit card debt is hovering around 110,000 and we are no longer able to keep paying without losing electricity, water, phone, you know. Debt settlement seems to be the best option but I keep reading all these posters and bloggers who trash the fee structure and payout schedule, strike fear about lawsuits, and advocate doing it yourself.

I found this site while looking for a way to break the chains of this PDL cycle - I must say, a LOT of useful information here! Now for my specifics: In Ohio, BTW. Storefront: National Loans (aka National Check Cashers) - paper check, $600 received, $600 plus $84 fee due on payday. Internet: Integrity Advance - $300 loan, $715 paid so far (rollovers+buydown) Northway Financial (Greenpicket) - $300 loan, $344.94 due on payday (Pay in full) East Side Lenders - $300 loan, $90 paid so far. FBDLoans.com - $700 loan, $225.32 paid so far. $114 payment due Mon.

hello I am desperately trying to get rid of these storefront loans. how can you tell if a company is legal or not? I have had my mom close her account I have sent out C&D letters I have also called a few to negotiate but they all want cash in person Is it better to send PIF letters to the storefronts or the parent company? the stores are: EZ Cash Check n Go Advance America Ace Express Cash in Advance Quick Cash Cash America Fed Cash Any help is appreciated. :cry: :cry: :cry:

Have a couple of questions... Last month I was served summons for a BOA account that is now being handled by "TRS Financial Corporation." In preperation for my hearing I'm gathering all the documents I've recv'd throughout the years. Last payment was 10/2006... I have a letter from the law office that is suing me dated May 12, 2009.

i had a cc for chase that went bad last yr. i am getting harrassing calls from a 3rd party collection, the debt is up to 6000 dollars now.. what can i do to take care of it? they will settle for 3k, but i cant pay the thousand they request a month. UCB or UBC is the collection agency. thank you.

I'm exhausted. I've been trying to get this guy to pay the judgement I have against him for 2 years, I just got news that he has filed BK (I'm in Calif./Community Property State). He has been married the entire time and she was not listed in my judgement against him, but I believe I can still go after her (somehow) to get her to pay the judgement. By the way, she was part of the scam that got the judgement to be in my favor, I just didn't know to list her as a defendant, so she wasn't listed on my judgement. Does anyone know if I can figure out how to go after her for the judgement?

should i pay to get this? is there a company/website that will alert me if anything changes with my credit files on a daily basis? i am in the process of disputing my credit report -- will the monitoring company also alert me if something falls off my credit report? thanks!