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I have had 2 discussions with FreeStar regarding settling my cc debts. I checked them out on the BBB and they have an A+ rating. They are telling me that the longest payout is 48 months. Is that normal for debt settlement?

On Jan. 15,2009 I was denied when I was trying to make a payment on my student loan, because i called to make a payment on the 15 for the 28. but the lady would not take my card number to set the payment up and told me that I could not make a payment on the 28 of jan. because it would be to late to make a jan. payment. An then she told me to borrow the money and call her back. 2 weeks later my income tax was off set. because of that witch. do I have the right to make a payment on a debt i owed? I need help to find this out because I'm going after them but I need info to back it up

I have 3 pdl's... ace cash 400, money mart 400, ezmoney600. I can't afford to pay them not even to renew them. Please help, what happens if I default. I don't know what to do. I'm in Dallas,tx

i want to raise my score to buy a home within the next year....but kids came and jobs left and collections came to visit us for awile...now they are all paid and about 2-6 yr old and some will start to fall off soon....but my score is relatively low...what can i do to raise it? we've waited years with good discipline..and need to do something at this point b/c it raises about 2-3 points a month..any thing i should open? anyway to make it raise faster? should we get our first "outta-debt" charge card? our newest account is 3+ yrs and good standing..any help would be great..

I have an account with AE and they are saying that the lowest they can go is 45% and the only way to go lower is if I had a lawers name and number to show that I have looked at filing bankrup. Do you think they are going to call and talk to the lawyer or not

I have a debt from Rural Metro Corporation (ambulance) from back in early 2003. They never contacted me. I never paid it. I checked my credit last month and found a new account opened almost a year ago (2008) to Capio Partners. I called to inquire and they said that it was for the Rural Metro account. It says the account was opened in 09/2008. When I asked they said it was correctly listed because that is when they got the account. It says on my Credit Report that the account will be removed from my credit on 11/2009 and 01/2010 depending on which report you look at.

I have some loans that have been turned over to collections agencies. I have a loan with epaydayloan for $350 and I have already paid $420. They have turned it over to Frank Falzone and Associates in New York. What should I do?

I was hoping someone on here would be able to give me some advice, I am currently enrolled in a debt management program through care one. Things have been going good all payments are being made, but what I'm wondering is am I actually better off going it alone without their help. i've heard from some people that using one of these programs will actually lower your score, but the thing that makes me nervous about going without their help is that my creditors have agreed to the payments and lowered the rates and things like that. any opinions will be greatly appreciated.

So i am stuck in the never ending battle with Internet PDL's and i have been looking on this site and getting some information. What i have found is that internet PDL's in KY are illegal and I have more then likely way overpaid on mine. I can no longer afford it, i contacted them and let them know this last "payment" could not be made bc i did not have the funds for it, and well, it was returned to them NSF.

I'm in a major jam and need some advice. About two years ago I started a business and ran up some debt. Things have slowed to a crawl for me and am having problems paying some of the debt back. I have 6,000 stashed away that I thought I could use to negotiate with some of the companies but I'm not sure how to go about it. Here are my details: MBNA - $12,000.00 CITI - $6400.00 Best Buy - $1,980.00 What should I do? Should I call and tell them I'd like to negotiate a payoff? Do I just walk away? I don't know what my options are and am concerned that I could do more damage than good.