Search forum

I had approx. $40,000 in CC debt and was considering bankruptcy or debt settlement. Out of the blue I received a letter from the company I had used to get a mortgage when I bought my home offering a loan product for a refinance up to 95% of the value of my home. My bank (B of A) had told me they could only do 80% which didnt help. I went thru the numbers and by consolidating my $40k into a new loan my I am actually saving $500/month, plus the interest I was paying to the credit card companies is now tax deductible since it's a mortgage! I am so relieved.

I already settled my Discover, Citi and AmEx cards which was relatively easy since they all quickly went to external CAs and I had no problem negotiating settlement between 20%-25% with CAs. I'm left with BoA ($25k), Chase ($25k) and HSBC Beneficial ($30k) all of these are somewhere between 120-150 days pass due my problem is that I want to settle those as well and get it behind me but they don't call at all or very rearly, when I call and ask what the status is and if we can settle they offer from 35% (BoA) to 45% (chase) and this is slightly too high for me to accept, does anyone was able to

I applied for it, but after thinking about it I don't want it. It says in my welcome letter that I won't be charged for any of the fees if I do not make a purchase. Is this true? Do I have to call them to cancel it? I just received it and didn't use it.

This is a message for SOAPLADY or really anyone. I have a student loan for both undergrad and grad school that now tops out at $198k for principal, interest and penalties. I currently work in a public sector job that will qualify me for loan forgiveness after 10 years. My loan was consolidated back in 2006 with William D. Ford, however, I went back into default status at the end of 2007. Currently, loan is in collections with ACT out of CA. I am currently in a loan rehab and have made consecutive payments of $500 per month since Nov 08.

I don't know how I got so caught up in these PDL's, but I'm in trouble and scared. My dog got sick and I needed money for his treatment, so 1 loan became 2, then 3, and now I have 4 PDL's out and can't afford it anymore. I feel like I'm drowning. I can't pay any of my bills and I'm terrified of losing my apartment and car, basically everything. I would appreciate any help/advice!!!!

I was informed on Monday by a collection agency that there was a 'wage garnishment' that is going to be 'auto submitted' on April 24th and that if I send them money now, they can stop the said auto submit and i can enroll in their program for an amount that is way more than i can afford i would give me a severe hardship. I asked the CA to please send me information on this garnishment and what their 'program' of 6-9 months is that they want me to sign up for and they said that they would send me this info AFTER i pay them 400 bucks.

I sent out my letters to the pdl companies using the letters offered here on the forum. Zip 19 is telling me I agreed to abide by the laws of Malta when signing the documents. Here is their wording: The Republic of Malta is the place of the making of this Agreement.

I have read many great tips in this forum and I think this place is just great! I have 12 storefront payday loans in Arizona. I just lost my job and can not pay all the fees as I have been doing for about 6 months. I was going to call PDL Assistance but after reading many posts have decided to try it on my own. I kinda saw this whole mess coming so when my loans were due two weeks ago I was able to pass off checks from an old bank account to about 9 of the places and was forced to give checks to my other account to the other 4.

Has anyone used this company? After looking at many of these message boards....it seems like they are one of the better debt settlement companies. Any thoughts? Here is their website.. superiordebtrelief.com Thanks!

What to do about a cash advance company continuing to call you on your job threatening to send legal documents ( embarrassing you when a coworker answers the phone). You know you owe them but you have had some serious health issues. You try to work out a payment arrangement but they keep changing the amount and harassing you. WHAT CAN YOU DO?