I'm trying to settle some high balance credit cards. I'm about 90 days past due right now. I got a letter from my mortgage company saying that I may be elegable for a HARP refinance. I asked a bankruptcy atty online if I could apply for the HARP while my credit was bad. He said that I should apply right away. Can you offer any advice on what to expect when they see I'm behind on 4 credit cards. Thanks, Cinderella

Are your retirement funds considered assets when figuring if you are insolvent or not in the case of a short sale?

Can the truly bring charges on you for a loan you didn't approve or ask for? If I stop them from being able to access my account? Is their debt collectors third party?

Here are all of the embarrassing details :( I had no idea things would end up this way but i am hopeful to get them straightened out. I am not past due on anything yet, but plan on closing all accounts associated on Monday and writing letters to all of the companies. I am extremely grateful for your forum. it has empowered me to take a look at the laws in my state.

I need to know what this money is that I owe this company because I did borrow this money or buy a car in September, 2011 and I want this off my credit report as soon as possible. Anva Green My email address is agreen0415@yahoo.com

I too have received multiple calls from Zimmerman and young both on my personal cell phone and work phone. I finally called them back this morning and explained that I did take a payday loan and then the loan company started taking money when I did not expect them to and overdrew my account so I closed that account but did nto contact the loan company to make other arrangements. Zimmerman and young left a message that court papers would be coming my way so I called them back and have a settlement coming out of my account on Monday April 1. Did I do the wrong thing? Mary Jane

Hi! I am another victim of this Ameriloan fraud!! Here is my info 1. I live in North Carolina 2. I borrowed from Ameriloan 3. Borrowed $200 4. Currently as of 3/29/13 I have paid $350 When I called, they said that the $60 they have been taking from me was only to renew the loan and not pay it off as it was explained to me when I asked when I first got the loan. Customer service was rude. Help please!!

I got a call this morning from a person stating he was an officer with the Massachusetts State Police and that a complaint had been filed against me. He gave no other details, but he gave me a number to call to get the details and said to ask for an officer there to get the details of this situation. He said if I didn't call I would be arrested either at my place of employment or at my home. I didn't call the number so I don't know what this is about but it is an out of state number that he requests I call.

I recently, even though I should not have, applied for an installment loan with a company named bestchoice123.com. Now the amount was $725 which was deposited into my bank acct. The contract stated I would end up paying a total of $975 to pay off the loan. I thought that it wasn't too much, especially if it was going to be collected in payments of $237 every other week. I figured I would have it paid off in about 2-3 months.

Hi. I received this from Hydra Financial Funds Limited IV. I sent them a revocation letter to stop them from debting my checking account(I closed the account): Hydra Financial Limited Fund IV 3/28/2013 Account # 95934 This letter is to inform you of payment options with Hydra Financial Limited Fund IV. Please refer to your original loan documents that were emailed when you applied for this loan.