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I just found this site yesterday and I am amazed and grateful for the wealth of knowlege and helpfulness of the members. We have about $110,00 in credit card debt due to many factors. We own our own business. We are current on all of our bills, but I don't think we can hold out much longer. I have been working with our creditors over the last month, and have had some luck in working out hardship payment arrangements with Bank of America. However when I talked to Chase, they were really rude and told me that we don't have enough income to qualify for their plan. Hello???

I hadn't gotten any calls at all. I closed my account last winter and opened a new one. I had PDLs with Cityview - $300 Cashcentral - $700 AA Payday - $300 Anyway, I have been working with debt management plan making small payments, in which all 3 have been cashing the checks. I get 6 calls today from: Kevin Johnson and Richard Bottom - 818-338-5073 followed by Peter Brown 213-784-0745. Very thick accents of not being from the US.

Hello there! My apologies if this is already somewhere in the forum. I'm new & I didn't see it. I have made a mess out of my student loans. I have 4 of them totalling just under 48K. Sadly, I let two of them go default. (I found this out the hard way when I received a letter from the government this past April instead of my refund check. :p) I contacted Direct Loans and began the consolidation proccess right away. In the meantime, The Michigan Guaranty (sp?) Association had already referred my loan to Allied Interstate, a collection agency. Allied Interstate calls me non-stop.

My son Lied about his dob by one year exactly so he could take out a phone contract. He is now eighteen but and has paid every month for this contract but is being refused credit because the dates of birth don't match on the credit report. Is there anyway he can correct this without receiving action against him?

had a payday loan thru CashnetUSA, couldn't pay the load off and now I have NSF's. Can you get taken to jail for this happening? I've got a company out in New York VCS threatening within 48hrs i am going to jail. They want 606.00 dollars and I think that the original loan was only 250.00. I told them to send documentation when i got the letter it had a totally different name on the letter. I called Cashnet and they told me they never sent my informaiton to any outside agency it's still in house. What do I do??

I am trying to fing the # of the collestion company they gave my account to ant whejn I called ssm to day they would not give it to me, what do i do?

I got a call today from "Jennifer Thompson" telling me that a summons is getting ready to be served. Check Resolutions are filing charges for: Theft of services, deliberate attempt to defraud a federal banking institution and passing of a bad check. She left me a case # (148021-E) and the phone # 888-513-7945. Do Process servers generally call & warn you that charges are being filed? She also called my mother(!!) and told her all the same stuff. Should I bother calling back or is this just another scare tactic from a pdl from 2007???

Can I consolidate my payday loans into one monthly payment if it's already went to collections?

Hi, I have been reading this forum for the past week or so and it has been helpful. We have talked to an attorney about Bankruptcy. On the very edge of being able to do a Chapter 7. I would really like to avoid a chapter 13. I am considering debt settlement instead, especially if we have to do a chapter 13. We would need to take a loan from our 401K. I would much rather pay myself back and have some freedom then pay a trustee and have my finances in their control for the next 5 years. We have about 55K with Chase (3 accts.) and 20K with Citibank (2 accts.).

i have a student loan that is atleast so years old i never finishe the classes i was taking and through the years the loangot higher and higher to a balance of 9,0000 and something dollars thats a lot of money right? :(