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I have two accounts (Chase & Cap 1) that got behind due to pay cuts & unemployment. I am waiting on the paperwork to settle with Chase. My CR will state "settled for less than owed". The other account that I have to work with is Cap 1. They haven't been easy to try to settle with so far. I now have the ability to begin catching the account up if they will keep interest rate low & wave the lates fees, etc. I can likely come up with the funds to settle for about 40% if they ever agree to it. I am confused as to rather I should settle or go with a hardship plan?

i have a 150$ debt on my EX file which I have been trying to validate since January, always by CMRR post. The CA keeps ignoring me and Experian investigated twice and verified the debt. I kept complaining again and again with EX and just got a final letter stating they will not write back to me again because the debt has been verified. They never sent me any information in detail, just stated the debt was verified. CA ignored yet another CMRR letter from me to validate the debt a couple of weeks ago. I had this reported more then a month ago to FTC. nothing from no one. what can I do?

Hello everyone, I'm looking to buy a home within the next 6 months to year. I'm a very handy person so I'm going to look into buying a fixer-upper. At this time my credit score is 451 (I made very stupid errors when I was in my teens). Currently I'm with a local credit union, I've been with them for about 6 months now. So far everything has gone great with them, no overdrafts or any other problems. Anyways houses that I've seen and could work on myself go for about $9,000 to $20,000. I looked at my credit union's website and saw they have Personal Secured Loans.

Does anyone know if these store front PDLs are CFSA: Pay Day Advance,Americas Cash Express and EZ Money? I would like to make EPP on these if possible.I am really struggling at this point having to borrow money for my mortgage and groceries from family.I have 6 children at home and need to take care of these loans because I can't lose our home.What do I do if these PDLs will not compromise? Someone please give me some advice, Thanks in advance.

What can i do to get out of this hell. I have 5 storefront loans and can not afford to pay the intrest anymore. What do i do?

Hello All, This is a great website! Haven't posted in a while but now I have a question. I just got 2 separate "Notice of Intent to Levy", "You Defaulted On Your Installment Agreement" letters from the IRS. I actually haven't missed a payment, but defaulted on my 2006 agreement when I couldn't pay my 2008 taxes in full. I owe $2,265.83 for 2006 and $4,225.30 for 2008. Went through a terrible break-up back in 2005 that left me owing a lot of money that I was legally responsible to pay. I have a good job, been employed for the past 19 years with the same company.

I have 4 PDLs and all are store front loans in Texas. I owe the following:(1)Pay Day Advance $1185.(2)America's Cash Express $1200 (3)EZ Money $1652 (4)Cash N Go $1400 I have only been able to pay interest on these loans and it is very frustrating.Can anyone tell me if they are legal and CSO or not.I work 60 hours in the South Texas HOT sun and just want some relief from all the PDLs cause they are worse then the Texas HEAT!!! I would appreciate any and all advice.Thanks in advance!

Recently I was in a car accident. My car was 'totaled' in the wreck ( however..it was still driveable). I've been out 'car hunting'. BOY..I'll tell ya..it's been REALLY time consuming!! Well.finally I found one!! So...I'l start getting, on the Forum, 'regularly' now. Sure miss taling to ya' all!!

I have a hospital bill from about almost a year ago. I have been paying a little bit when I can. Today, I get a bill and the amount I owe has all of a sudden increased by $60. I called to speak with them and they said that I am being sued and the $60 is fees associated with their filing the warrant in debt. I was told that even if I can get the funds to pay the bill, they will not remove the fee. Can they legally add this to my bill if the case is not until 8/27 and a judge has not awarded them anything as of yet?

I am so embarassed I am in this situation. But I have 5 payday loans all store front, all in Arizona: 1) advance America for 500 that is about 1 year old in which I keep reborrowing since that is all I can do 2) Check Mate for 500 that is about 8 months old, again I keep renewing and reborrowing 3) Quik Cash for 500 that is over a year old that I keep reborrowing 4) Check n' Go for 500 that 7 months old in which I keep reborrowing 5) Check into Cash for 350 that is about 2 months old I am unable to even keep up with the biweekly finance charges.