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my first mortgage is with Citimortgage -- 6% fixed over 30 years -- I am 2 payments behind and they told me that I qualify for a loan modification if I make a payment this month. my rate would go from 6% to 3.6% and would bring my account current. I won't know any of the other terms until I actually get the paperwork. has anyone done a loan modification thru their current mortgage company? this just seems to good to be true that my rate would go down so much - my payment would go down about $140 per month.

:x Yes they reduce the interest, but that's it. My payments only went down $160 per month. I can't afford that. Why don't they have the DMP structured to give you paments you can afford? not just based on your balances. Do they really want to be repaid? I f I did not have a security clearance to lose by defaulting I would not pay the cc companies a dime. I think the companies know repayment and not having any further negative information with our credit is important to us and they are still taking advantage of us while we seek to make things right.

Hi I have a total of 4 loans EZ money 800 Cash Store 1500 Check n go 300 Cash net 200 I have fallen behind and I need some serious help!!!! I'm in the state of TX

does anyone know of a real debt help co to many scams to find a true blue co

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Is this forum working? I haven't seen any posts since 3/30 and its 4/3 today.

I am currently revoking ACH withdrawals for 3 payday loans that are due 4-9-09. Closed my account today. I have paid 3 loans in full with interest/fees totaling around $500 dollars. These were paid off back in February. Do you think I can still try to get the fees reimbursed to me from those loans? If so, how do I go about doing that. The loans were internet and illegal. Wish I would have found this site back in February. Thanks!

United Cash Loans - $500 / $250 Ameriloan - $200 / $120 CMG - $200 / $60 Loan Shop - $200 / $60 Avantis Financial - $500 / $60 Loan Point - $200 / $60 B & L (Pack Management) - $300 / $50 I am a Florida resident. I have tried to close my bank account but was told that it would re-open when they put through another ACH. I have letters for all of these comapnies, but cant find addresses to send them too... Help. Thanks

Okay, here it is. I'm considering debt settlement by doing it myself. My situation is marginal in my opinion. I'm unsure to make the dive into debt settlement at this point. My credit score is flawless with an average FICO of 720. My thought is to use balance transfer money to negotiate settlement with other creditors. Please share your advise. Please, experienced viewers only. Thank you. SITUATION -Just Married last year with combined income of $102,000. My wife makes $35K, I make $67K. ASSETS New mortgage last year (2008). Paid $283K for house, economy says it's now worth $266.

:?: can anyone recomend an honest co i am thinking of doing it myself one card at a time scared of the ones i have talked to