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1. Do nothing- If you can prove that you are insolvent and are judgement proof there is nothing the creditors and collectors can come after. 2. Negotiate Interest Rates- Negotiate to lower your interest rates with your creditors while your accounts are still current. 3. Consolidate Credit Card Debt- If your accounts are current but monthly payments are too much to handle, consolidation may be a good option. 4. Negotiate Settlements On Credit Card Debt- If your accounts are at least three months delinquent this is the bes way to go.

I was contacted by Superior Debt Relief after requesting counseling through this site. From what I've read about them they seem good. Initially they sent me a form to complete listing my outstanding creditors, it had a column for account #'s. I told the rep I didn't want to give account #s before a contract, he said that is fine. He looked over my figures and said he'll send me some paperwork to look over, but before i can receive a contract they need my Social Security #. Is this normal?

Background: Filing BK CH 7 in VA on 6/30/09. Questions: 1. Cars - have 2. One worth $500 (96 Dodge Avenger, paid for) Second worth $6000 (05 Ford Taurus) still owe $10000 - Lawyer said no problem on keeping both cars - sound resonable? 2. Concerned about household goods. Just bought 42' LCD Phillips TV in Feb. Will I be able to keep. Also no idea how to estimate the value of this. 3. About TV again, bought w/ check card I know asks about purchases made $500, but I didn't buy it w/ credit - so is that ok? 4. Lawnmower, 54' cut Poulan Pro - will the trustee take that?

How do you respond to that? I'm getting the auto emails "oh you missed your payment!" and it is like they've never gotten my communications about FTC, BBB complaints and that I closed my account. I just want my PIF's!!!! Any tips on the negotiation for PIF's? I really want to get these for all 5 of my illegals. I know, maybe I'm dreaming.

I just had a number call me at work (It wsa 302-791-9666) I didn't answer the phone. They then called our customer service office (I can only imagine that this was because there number was one digit from mine and they took a lucky guess) Anyway this guy said he was from "First National Legal Serivces" (I think, it was something National Legal Services) He said was calling on behalf of Payday Loan Yes. He said "Hopefully I can help you set up payment arrangements " He was nice enough and I told him I couldn't talk at work, could I call him back?

For Credit Card debt settlement, what happens if one spouse is insolvent, but the other isnt? I am trying to settle my cards, and know about the insolvency clause. However, if my spouse and I file joint, how would I alone be able to prove insolvency by IRS standards?

So my wife went to check her credit report in April and found a collection for $500. My wife calls the company they say it is a debt from 1999 for tires that she purchased. Wife never bought the tires. My wife thinks it might have been one of her sisters that has a reputation for doing this sort of thing *identity theft*. There is a link to challenge the claim on the transunion credit report site so we challenge it. Week later we recieved mail informing us that the claim remains, something to that affect, with no paperwork to back it up.

I haven't been here for a few months due to computer problems but wanted to update everyone. In January 2009, I started with 10 internet loans and as of today, I have received 6 PIF's with 3 of those coming with refunds :D Ameriloan and One Click Cash still call me 2X per day and I don't even bother to answer.

if an account is on my cr and i never knew it until i pulled them this year..the account has been there for a bout a year or so..to my knowledge, i have never received a dunning letter...does dv do any good at this point? do they legally have to respond to it?

Loan Shop Collection tried to withdraw $390.00 from my account but my bank notified me. Do not try to make another withdraw from my account. I do not and never have had an account with your company..................