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* I reposted this in the Debt Settlement Forum. Sorry for any confusion. This is my first post and I don't know how to delete it* I have been doing extensive research on debt settlement and it seems to be my best option at this point. I have several companies that I am interested in and I am confident in at least three of them. I have around $90,000 in unsecured debt and live in Maryland. I am current on all my accounts at this time but realize that I need to stop paying. I have never done this before so I am not sure how to handle the phone calls.

I have a loan with my bank on a mortgage and they have been taking the money out of my checking account each month. I am unable to pay at this time and only have a few dollars in the account. Can they take the money out and put my account in the negative?

Hello, Texas Attorney General Abbott Charges Houston “Debt Invalidation” Firm with Unlawful Conduct Quote:

Jubilee Financial Solutions LP, also known as The Credit Card Solution (TCCS) - a self-proclaimed “debt invalidation” business - its parent company, Jubilee Financial Management LLC, and the companies’ owner, Robert Mitchell Lindsey

The credit repair company is charged with violating the Texas Deceptive Tr

Does anyone have their exact mailing address, I would like to send a debt validation letter. This is the address i have... I just want to double check before sending it off. Pro Collect Incorporated P.o. Box 220369 Dallas, Texas 75355-0369 214-341-7786 1-800-839-8186

I'll make an effort not to drone on - basically I lost my business when the world fell apart - I have no income and live off a small savings. All the debt I have is CC debt around $40,000- all in default 90 days. When I call the banks, few are willing to do anything, no smaller payments, no reduced interest. I know if I wait long enough they will offer a settlement but I don't really have any money to pay anything unless I want to stop eating and living indoors. Do I have any options besides waiting for the CC companies to write off the debt and going to collections?

I signed up on 7/8/09, AND WANT OUT! How do I cancel?

I think Minnesota is on to sumpin' ;) (If this has already been posted...sorry for the repeat, but...I couldn't find it on here.) In Businessweek, there is quite an interestng article. "The Minnesota Attorney General on July 14 sued the nation's largest arbitration firm involved in adjudicating delinquent credit-card debt, charging that it runs a biased process that favors major credit-card companies." "The civil suit filed against the National Arbitration Forum in state District Court in Minneapolis alleges that far from being an impartial venue for resolving such disputes, the NAF has c

When requesting a DV from a collection agency, what do you do if you have no idea what your account number is?

I am a newbee....I defaulted on a pdl CashNetUsa and now I am getting calls from Legal Department of Common wealth, at work I have asked them to stop calling me at work and before 8am MST, since they call at 7am. Well today, they called my referance (boyfriend) and told him that there was a civil suit and his name was on it also, felony charges are going to fill againt me and I was really deep. I wish we had record the conversation.

I just joined this forum in the hopes that someone can help me. I recently received a letter from a collection agency stating that I owed over $1,000.00 for emergency surgery I had performed. This bill was paid in full at the time of my surgery; the bill is dated from 2006. When I contacted the hospital they stated they would correct this error. When I later contacted the collection agency I was informed that yes, the hospital did contact them but they state I paid it the date I contacted them, July 9th! So I obviously have to get this straightened out but what should I do?