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I'm trying to find an established company to work with as debt management. I've been on this forum trying to get educated, but everyone posts war strories. Any one having a good company with a good program?

Hi my name's Kevin and i owe about 70k in credit cards and around 30k in back taxes. AS with most stories I'm hitting a brick wall. I spoke with all my creditors and they put me on a hardship program which dramatically lowers my payment and drops my interest rate. So far all my credit card bills i owe about 1500 a month. Problem is it's going to end at some point ( the program they have) and I'm back where I started. I read Dave Ramsey and he said to do it myself. The rollover plan.

I really need help. For a few years now I have been in payday loan hell and it is getting worse. I have 6 store front loans and I think 6 online companies. This is spinning out of control. I am current on all of them and have never missed a payment. I am sure I have well over paid on some. If I could take care of getting rid of the online accts I could pay down the store front accts. I just keep paying off and taking back out the store front because I can't even afford the extra $25 to pay down the principal.

I have a lawyer - received papers from Hiday - asked attorney if we needed to call, try and settle the debt that a client of Hiday bought - they were not the original creditors. Our lawyer never responded to Hiday in '08. Hiday took our car that was free and clear. They would not settle for any amount and are making a fortune in interest and penalties. Original amount of debt is 1/4 of what Hiday has on their books. Something very wrong with the collection practices in this country.

Anyone defaulted on them? I want to know if it shows up on your credit report.

i have 8 internet payday loans. I live in Louisiana and have a negative balance in my account. What can i do to stop this?

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I have several questions and have no idea as to what my legal rights are. I have been reading the forums and now, I am really lost. So here it goes. In 2003 I lost my job. I had at that time 4 credit cards. I defaulted on all four. I simply could not make the payments and after begging them to help me to pay my debt in reasonable amounts they refused and I stopped paying on them. It was either pay the credit cards what they asked or be homeless living on the streets. I am not joking, it was that serious.

Upon reading literally hundreds of articles and blogs regarding fair credit reporting practices, I have yet to find anything that tells me exactly what the bureaus are allowed to legally report after a bankruptcy. I want to make sure everything is being reported correctly but there are items which I feel are misleading and not 100% accurate but when I disputed these items, they came back as verified and meeting FCRA requirements. For example, I had my home included in the BK which was of course reported as a foreclosure.

Advanta says that they are taking me to court on my business acct which is 130 days overdue. I owe them $14,400 they will not go below 40% settlement what shall I do. They say they will sue by the 23rd if they dont get their mioney. Working with Paul Nelson at Cohen and Steers. chaka