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Thanks in advance to ev1 who writes in. Now for my problem. My job just decreased my pay by 20% and I am unable to keep current w/all my charges/bills etc. my credit cards/loans total around $22,000. I do not own a house, I live w/my mom in her house and pay the mortgage for her due to she can no longer afford it since she is 76yrs old and is on social security and of course the house & utility bills and my car pymnt is priority right now. I am scared to just stop paying ev1 and I am thinking about consolidating but not sure of who to go to for this.

Hi ev1, new to the sight and love it, there is so much information here its unbelievable

are payday loan companies allowed to come to your place of residence to collect payment.

One more question: Have a Chase Card---wife is main holder, my name was added as being able to use card. The card got outta hand and is now frozen at 20,000 and I arranged, for now, for a payment plan of 347.00 per month with 2% interest to pay it off (it will take many years). Should I have instead tried for a lower settlement (problem is we just started falling off the wagon with payments last few months). And is there any way to get her name off the account so I could just go for bankruptcy?

I've had an outstanding credit card debt for 5,300.00 with Discover for over 4 years---came close to being able to pay it, but had to pull the money. No money now and lotsa debt. So...it starts with "Talk to lawyer right away....part of pay can be garnished...: ad summons me to appear in Civil Court to file my answer to the complaint. The attys are ZWICKER and ASSOCIATES. I'm in NYC. Any suggestions? Show up and answer? Thanks so much for taking the time and, again, for this site.

My husband has 8 credit cards none with a very high credit limit the most is $300 but we are only able to pay the minimum every month. We would like to cancel 6 of them and keep only 2. We also have about $3000 in other misc bills. Is debt consolidation a good idea for us?

I am starting a new thread with this and apologize for any inconvenience............................ Well now, my interest has been piqued again with this particular subject and and related threads... I had asked this before, but didn't get all the info I needed (most likely "my bad", as all of you are so helpful, responsive and kind). It would seem that deavvaed12 had major success in receiving refunds.... and what's this I'm reading that internet pdl's aren't allowed in PA(???)..... The internet payday lenders I have dealt with in the past folllow.............

HOW DO YOU ANSWER A SUMMONS

does anyone have any current information on them. thank you.

if an item is disputed and verified..does the words "account disputed by consumer" or "meet fdcra" have to be included in my report? What if its not reported that way?