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Hello,  I have taken out private student loans throughout the past couple years and the checks were sent directly to me.  95% of the time I did not use the money on school and spent it on other things, gambling prob which I have now overcome and still go to counseling for.   Do I have a case to get these discharged in bankruptcy?  I went through some probs in my life and and kept getting approved for these private student loans but did not use them for school.  Any help would be great!!!!!! Thanks

I have a very large amount of private student loans.  What can a lender get out of suing you if your loans default.  I do not have a car, house or any type of asset right now, just a lot of student loan debt.  What are my options.  Would they settle if I default.  I heard they are more willing to settle when you default rather than when its in good standing repayment.  Any help?

About 3 years ago I was pressured into making several payments on this particular cc debt through a company in Jacksonville FL.  I think their name was ERC or something like that.  We've been under the financial gun since my cancer treatment was complete in 2002 (7 surgeries in less that 2 years. I defaulted on the payment plan after notifying them telling them I couldn't afford to make the required payment.  The lady in Jacksonville said "Tough...you made the arrangements."  The last payment I made was some time during 2007.  I didn't hear anything form anyone until 2-19-09 from an Eato

I have two credit cards.  The balance on one of them is $580.00.  The credit limit is $300.00.  I have not charged anything on this card in at least 4 years.  The balance continues to go up.  The minuimum balance is $55.00.  When I pay the minimum amount the balance continues to increase.  So paying $54.00 is like taking that money and throwing it away. The balance on the other credit card is about $1100.00.  The credit limit was $600.00.  I have not charged anything on this card at least 4 years.  It is the same situation as the other credit card.  I feel like why pay when th

First of all thank you to everyone that has been such a big help on this forum.  You all have really given me hope.  I have opened a new bank account and have closed the old account with the help of my bank.  They were very understanding.  I am now getting ready to send out letters to my lenders.  Can you please tell me which of the following lenders is illegal in the state of Ohio? Loan Shop National PayDay Eastside Lenders CashSpot Greenlight Funding Magnum BIG Cash Transfer Centers Again I appreciate everyone's help.  I really couldn't have done this without the advice I had recieved

Hi I currently live in Michigan.  I recently was served a wage garnishment papers.  My issues are this company Assest Acceptance claims I bought a computer in 2000.  And this is what they are garnishing me on in 2009.  They had a court case, But I was never served.  It showed on the paper that they taped it to my door.  I never received it.  However are they still able to garnish me nine years from the date of puchase?  Is there a form out there that I can fill out to have my 25% lowered?  Thanks for any help!   personal information removed - Jason

Do any of the credit reporting agencies, report the date, of the last payment, on a charged off credit card? Is the last payment calculated to be six month prior to charge off? Do some credit cards wait more than six months to charge off a defaulted debt?

I have a GEMB account that i owe 14K on, and to make a long story short, had a really rough year with medical bills and car repairs. I got a couple days behind on my payment to GE 2 months in a row and they raised my interest rate to an ungodly amount. Out of my minimum payment of $330, $220 of it was interest. I contacted them to see if they could lower the rate and they told me no, so seeing that i basically would never be able to pay this debt off with the current % rate, i decided to go the route of Debt Settlement.

They are offering my sister  loan modification ... anybody know about those guys.... thank

Has any one dealt with this compay?  They keep calling my but I have yet to recieve a dunning letter which I should recieve within 5 days of contact correct?   Do they actual sue or just threating to?