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Hi Everyone, I have one credit card account thru Bank of America. I beleive the account is closed. The balance is roughly $7,600 on a 7000 credit limit. I have been paying $350 a month for at least a year but seem to be getting nowhere and want a change. Looking at the statements interest rate is 28% and they charge late fees of $39 every month. $350 a month is getting a little out of my range with the toughened times and I missed last months payment. What would you recommend to do? Should I try and get the amount reduced? Or try and just get the interest reduced and late fees removed?

FOLKS , PAY ATTENTION TO THIS: ACCORDING TO THE UNIFORM COMMERCIAL CODE, UCC 9-625: DEBT COLLECTORS MUST PROVE TO THE DEBTOR THAT THEY HAVE BEEN ASSIGNED A DEBT BY THE CREDITOR OR OTHERWISE PROVE THAT THEY HAVE A CLIENT RELATIONSHIP WITH THE CREDITOR, OR BE SUBJECT TO FINANCIAL PENALTY AS PRESCRIBED BY LAW. So folks, if you get a letter from an attorney or debt collector, send them a certified letter and demand that they send copies of all legal documents verifying that they have been assigned this debt by the creditor..be sure and ask for the name, address and telephone number of the credi

7 years ago prior to us being together my partner filed for chapter 13. I recently bought a house and put her on the deed.. when going to refinance the loan there has been 2 liens put on the house by companies named in the bankruptcy. Is this legal? How do I get them off?

If a credit card reports that they closed your account and canceled the debt, on credit reports, how can LVNV try to collect the debt? It's canceled. That means not owed. LVNV reports the debt like I owe them and and of course its a higher amount than the credit card canceled.

I was served with papers from Borack and Assoc. for Arrow Financial that I am to appear for mediation (Orange County, Florida). The county is not my home county, nor has it been for well over a decade. From what I have read, I need to draft a Motion for Dismissal for Improper Venue to the Clerk of the Court.

I live in Washington State. I have the following internet PDLs: Cash Transfer Centers (Northway Finance) $900 Cash Net USA $500 Payday Loan Yes $300 Big $200 GFS $200 United Cash Loans $500 Cash Advance Now $250 Together Cash $200 Up Front Money $500 US Fast Cash $400 Ameriloan $200 are these legal? how do i pay only what i owe?

This is a double post, I did not intend to post in the other discussion thread. Currently working on settling 17K of unsecured debt for 40% of what is owed. I signed up here to post a settlement letter I received and wanted to know of there is anything missing. I told the company I wanted to have the negative comments removed from my credit report. Does this letter indicate this will be the case? I also have not received from this company a letter validating they own the account. I did however call USAA and USAA gave me this phone number of the company that sent me this letter.

I was told by a CA that they are not allow to take checks or money orders, as no money can exchange their hands. They can only take it directly out of a bank account. Does any one else find this rather odd?

i have several internet pdls. i live in washington state. how do i find out which ones are legal in the state of washington? i looked on the dfi website and it kept kicking back a response stating "business not found". does that mean it isn't licensed?

I am being garnished for a volunteer repo of an auto. I am a single parent and need assistance in writing a hardship letter explaining to the court my financial situtation and request for a reduction in payment. Can anyone assist me please?