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I've found different answers while trying to research this...for credit card debt in Arizona, is it considered a written or oral contract? What is the Statute of Limitations in AZ...I was recently served for a debt that has been over three years since paid, and the oral limitations are 3 years where the written is 6...what does AZ consider cc contracts?

will it cost me more to file for bankruptcy because of having more credit cards?

Do I have 20 days from the date the processor served me or 20 days from the summons was issued by the court to respond to it? I was served on 6/18/09, but the summons says it was signed and sealed on 6/12/09...input please?

Hello my girlfriend has about 14,000 in credit card debt and she has been paying like 1,000 a month on these cards trying to get out of debt. She isn't making much headway. She is looking for the best way to handle this debt and get it paid off without hurting her credit much more than it already is or hurting it long term. Her score is low now around 550 but would be able to raise it after she gets out from under all this debt. What would be her best way to handle this and maybe save some money each month.

I posted over a month ago about my situation and how the credit card companies wouldn't settle my debts. However, today I just got an offer with BAC to settle for 41%. My total balance with them is $28,900 and they offered a settlement of $11,849 paid in 4 installments. I was hoping for an offer of 30-35%. I asked them to lower the offer, but they said this is all they can offer. BAC stated that next month it will go into charge off status. Should I take the BAC offer?

Have a Happy and Safe 4th of July Weekend everyone! Be thankful for the freedom we enjoy and for those who fought to keep it that way!

I missed 4 payments for my mortgage and the bank keep sending me notices my home is indeed in foreclosure. I was advised by my friend to hire for lawyer to work for me to process on my loan modification. Does it takes too long to wait before it will be granted?

Did any one find a number to contact these people? Unfortunately I got a loan from them before I read this information. Thanks

Once a credit card company has charged off your debt and sold it to a 3rd party. Do you remain in their computer system? I'm thinking about disputing some charge-offs and my guess is that if they can't find my account in the system then they can't validate. Any help would be greatly appreciated

My home is in foreclosure. I missed payments on the mortgage for some reason. My husband is disabled, my two sons got laid off and I am now the only one that is working. I went to the bank few times asking some consideration but they denied my request. I am confuse what will I do?