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Long time lurker, first time poster (Hi! :)) looking for some advice... So I'm in a bad place with credit and looking where to go. I own two properties (primary and a rental) that I've fallen behind on (last payment was 12/1/09) in order to try to do a loan mod with my lenders. Strangely enough, I'm more concerned about the rental than my primary home. More than likely, my primary will go through either a short sale or end up being foreclosed. I have a place to live so I'm not worried about it either way, though.

Has anyone got any infromation on UpfrontMoney.com They are suppose to be out of Lacrosse, WI Is this true?

I am trying to find out how are the bankruptcy laws different in mexico,canada,uk,europe etc... how do they differ from the united states? is there different laws,chapters in each counrty that differs to ours in the united states?

Are they legit? Please posts experiences ? They have a CC account from me of about $2,000. and want me to pay the whole balance. I paid them $700 in january...and $50 a month since.... they still are calling me for the whole balance. I cant pay the whole balance... what will happen? thanks

URGENT.. DESPERATE HELP NEEDED I'VE GOT A CALL FROM RECOVERY STATING I WAS INVESTIGATED FOR FRAUD, THEY BOUGHT MY DEBITS, HOW MANY TIMES CAN A PERSONS PAST DUE PDL'S BE SOLD.. I'VE BEEN TOLD IT WAS BOUGHT BY ONE COMPANY BUT A TOTALLY DIFFERENT COMPANY IS CALLING ME I'VE TRIED DESPERATELY TO GET HELP ON HERE, BUT EVERYTHING I'VE TRIED HAS NOT AND IS NOT WORKING...

I need to settle with several companies. I have read about capital one on this sight and it sounds like it is the most difficult to settle with. Any advice. I have a health care account and a credit card combined for about 10,000

leading edge recovery solutions has a hold of a credit card account and is trying to get me to pay the whole $2,000 balance. In January I paid them $700 and have been paying $50 each month since then..... Now they want the whole balance...Can they do this? Can they come after me for only $2000? will I be sued? wages garnished? etc?

I am going to go and get a prepaid visa today to make a payment on one of my pdl, I saw where I can get one at walmart for $3, which is less than western union. Anyway have never used one before and am wondering do I put my payment exactly to the penny on it? I was thinking about putting maybe .25 more but am not sure if thats necessary. Also the pdl, in thier instructions to me, said they will need the name on the card. I am assuming this card will not have a name so do I just give my name, and that will work fine?

First off, I work for a Collection Agency that follows the FDCPA to a T. A violation of any law concerning collections is grounds for immediate dismissal from the company. Second, I'm a debtor just like everyone else in the US. Keep this in mind. Third, yes, I do get commission pay. The main reason I'm writing this is to warn everyone against consumer credit counseling, debt management/consolidation companies, etc. I've attempted to utilize the services of one of these companies before.

Can a collection agency sue you, or can only an original creditor sue