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I wasn't sure if anyone can help me with this but I thought it was worth a shot. I have a client and her credit file has listed her as being deceased. She is alive and well and I've gone through all the procedures of making sure this isn't a case of identity theft. So indeed she is alive. My questions are... How does someone correct this? What is the time frame for correcting this? Anyone else ever had this happen? This has happened one other time in the 10 years I've been in the finance industry and I can't remember how the person got it corrected.

I am overextended with my pdls and am now faced with the problem of paying the rent and not paying one of my 3 loans. Or possible getting another loan which i don't want to do. Does anyone have any advice. I live in Texas so I know they are legal and have CSO. What if I don't pay?

I have been going to school for a long time and had been getting forbearance and deferment for my loans. When I got through with school, I could'nt find a decent high paying job to save my life. All I could find was low income jobs. In the meantime, my loan interest accrued. I tried to consolidate my loan and I did so successfully, but I still couldn't find a decent, well paying job. I now owe more $108,000 in student loan, interest and penalties. My debt is with a CA. They are threatening garnishment of my pay checks.

Hello, I live in TN and was just served a civil summons for an amount that I do owe. I have just not had the funds to make the payments while my spouse is loosing 1 week of pay per month right now. I spoke with a Bankruptcy Attorney but the fee is quite a bit out of my budget right now. The Paralegal told me to go down to the court & file a Slow Pay. Has anyone here had luck with that process?

I'm on vacation this week so will not be online very often until next Wedneday. I will check in occasionally but will not have time to spend a lot of time here.

Well I paid off another payday loan (storefront) and now only have 3 left :) One I thought we still owed a little over $300 on, I found out that it was down to $200. What a suprise :) So now I only owe $330 TOTAL left on our payday loans. Which should all be done next month WoooooHoooooo!!! I also have us all caught up on our utilities and rent :) Got locked in at a great price for our propane for next winter. $1.99 a gallon instead of over $3. Which will save us over $500 this year :) Next project will be working on cleaning up our credit report and paying off collections.

Ok..I was a bad kid in my younger days, say about six years ago..Wracked up debt,got charge offs, collections, medical judgement, oh yeah can't forget that bk in 2002 outta collecge. I wasn't wise with my credit to say the least...Now onto today, all of my negative accounts are PAID! None were settled on, all were paid with collection agencies, and i am awaiting for them to fall off report. My car is paid agreed, my student loans are paid as agree, my bills in general are paid as agreed. My current credit score is 570.

Help please...any input? What to do: 1. Debt Consolidation first (before loan-mod?). Will credit score matter in a loan mod? or is it more impt to free up some money first to afford the house payment? 2. LOan MOd first (before debt mgt.). To show that we are in a financial hardship with all our debts? 3. Do it at the same time? I get paralysis analysis! I need help!

I need to fix my Credit History ASAP ----- Currently I owed $ 15,000 total in credit cards loan. All my accounts are about 3 years old and currently with Collections Agencies and most of my original creditors had already “charged off the original loan”. I have total 7 different Collection Agencies trying to collect on me at this time. Now Currently I am making payments only for my student loans and I don’t have any other current / existing loans. My Current credit score with Equifax is 607 and 573 with Experian TransUnion.

finding it difficult to pay this second mortgage. We are one month behind and the house isnt even worth the price of the FIRST loan that we are current with. Will Ditech even work with us? What happens if we just dont pay them? Thank you in advance