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I am currently 60 + days behind and planning on soloing a settlement. I want to keep on decent terms with my cc companies in order to get the best settlement. They are trying to work with me and keep pressuring me to sign up in their "hardship" program. It seems like a good move and will lower my rates and all that. I just wonder if that would make it more difficult to settle if they have me commit to the program. Although, even if I sign up, I still won't be able to pay (because I'm saving for the settlement of course). Any opinion on this is appreciated. Thanks, Mcstiggens

i had a judgement placed against me a 5 months ago and have been making payments to the attorney. last week i tried to change my due date to the 30th instead of the 15th because my payroll changed my paydates. so i called the attorney to see if i could change it and he said no. so i went and filed a slow pay motion and he declined that also so now there is a court date for this wed. what can i expect when i go to court and do i need an attorney to go with me. i am in TN

Frogpatch said this in regards to collection agencies charging interest after charge-off. "No they can't! That is a violation of the Fair Debt Collection Practices Act, Section 808-1. An attorney can collect legal fees and court costs but a collector can't add interest or any other fees." _________________ CA's can not add interest or any other fees AFTER Charge-off? Did I misunderstand?

I have several PDLs, ranging from 2005-2008 and I want to get out of this and make the calls stop. I've been on this site and realized that there's a way out. Please help! The account that payments were being debited from has been closed for a few months. What are my options? How much do I have to pay back? I currently live in MN and did live here at the time of each PDL. I greatly appreciate your advice/help/research.

I'm looking to work with Payday Loan companies, But I dont want to work with unethical Pay Day Loan companies. You guys know in and out so let me know. there name and phone # and the contact name. I will appreciate that.

I have created a new forum called: "Content kept here with letter under penalty of perjury" In this forum I will move the topics if some one sends me a letter under penalty of perjury that: 1. The content posted is false. or, 2. It is protected by the DMCA. I am hoping that this will allow our forum to grow and not get sucked into mud slinging matches, I am basically modeling it under the guidelines that yahoo has posted at: http://info.yahoo.com/copyright/us/details.html If you have any suggestions please let me know.

Anyone use Zipdebt? Is it worth it?

I am self employed and have $15,000 of unsecured debt on a Chase bidness card. Are my chances of a decent settlement as good or not as good being a business account? (Sole prop.)

I am looking for info about Bankcard Service. I had a credit card a few years ago and defaulted on it do to a accidentand health related issues, now that i am better i am trying to tighten up loose ends. The card was through Household Bank/HSBC Bank. I called them as my report shows Charge off and it was purchased by another lender. They told me it is in the hands of Bankcard Services. Well upon researching I'm finding little about them and I'm getting frustrated. I recieve 2 Coll. notices from Protocol Recovery Service which said the client was Worldwide Asset Purchasing.

When the SOL ends on a credit card debt, must a 1099C be issued within 12 months? If the 1009C is not sent during that 12 month period past the SOL, then it cannot be sent at all? If an old credit card debt was past SOL more than a year ago and the 1099C was not issued, then it is too late. If the three year time frame for auditing a tax return ends, and SOL is past, how can a collector issue a 1099C? This is an IRS law: The statute of limitations limits the time during which an action can be brought by the IRS for a tax audit and the time for IRS tax collection activities.