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Im 22 Years old and im 24000 in debt. I make 33000 after taxes but I cant seem to do anything with paying it off. I tried Debt Settlement but it is crazy expensive and will take three years. That only takes care of my repo, nothing else. My thinking is, if I can file now, I could use those three years to strengthen my credit instead of paying it off and it going no where. I want to be able to apply for student loans if neccessary in the next couple years and i dont think ill be able to do that if I just pay it off. Please help! :shock:

I reside in NY State, spent the last several months negotiating and old CC debt with R & R. I did not stay on top of deadlines for answering summons ---Shortly after they received a default Judgment we came to an agreed amount via phone, immediately got a bank check for the amount, they faxed me a settlement letter confirming the amount and payable by bank check, money order or wire with a drop dead date for receipt. I got the bank check to them 24 hours before the deadline with a notation in the memo line indicating that "this is in full payment of accn't # and file #.

I received a collection letter from Scott Lowery of course threating to sue. Can someone please tell me if they are legal in TN? If not, what am I supposed to do? Thanks!

Does anyone know this number? :lol: :lol: :lol: :lol: :lol: :lol: :lol: Sorry I wanted to lighten things up. LOL

I am looking for some assistance on what we can do to get some help. We did sign for a parent plus loan and 'the student' "doesn't want to pay anymore". Please don't tell me you signed you have to pay, I get that. But there has got to be something we can do legally to get help from the one we signed for. Just looking for some suggestions on people who have been through this, not whats legal (once again-got that). I would have a hard time believing we are the only ones is America going through this....thanks.

If I am disputing negative items on my CR should I go after the original creditor and the collection company or what. I have a Lowes card that went bad in 2003 and a collection company now has the account. Thanks

[size=3][/size][font=Arial][/font][color=Violet][/color] I am extremely disappointed with their service. I have been settling my own debts. Is there any way to get my money back that anyone knows of?

About 2 weeks ago, I went to make a deposit at my bank. I had $650.00 to deposit. I counted the money 3 times. However, when I filled out the checking deposit I wrote $450.00 and sent the $650.00 cash with it. The bank teller did not tell me anything. It wasn't until two days later that I realzed tha I had made a mistake. I am 100% sure that I deposited $650.00, however, I have noway to prove it. Can I still file a claim and have them look at the surveillance cameras?

I have heard so many different things about entering into a settlement program with recent balance transfers on the account. Does anyone know what the deal is? Is it ok to do? Will the credit card company report you to its fraud department? How many payments after the transfer should be made before entering into debt settlement?

If you have been reported to EWS, do NOT open an account at Bank of America. They might open the account, but they will close it at a later time.