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We have 2 personal loans and a car loan with Capital One.  We have had a drastic decrease in income and will now not be able to make the loan payments.  We don't know what to do.  Any advice would be greatly appreciated.  Thanks.

I have this card and the account is closed. I couldn't pay on it anymore and my last payment was about 3 months ago and The card was at about 400. They are sending me statements saying it is 900 now! I was like what the **** and I can't seem to get to talk to anybody who will help me. Anybody have any ideas on what I should do. I cant pay it off since im unemplloyed. I want to settle with them but of course they seemingly won't do that. Any advice would be great! Thanks 11

I have a payday loan that I set up payment arrangements on for Little Loan Shop when I was laid off my job. I have only $100.00 left to pay. This payday lender has been presented a debit to my checking accounting every week for $420.00. My checking account is overdrawn and I am working with the bank. Each time I call and talk to a representative they say I have to talk to the resolution department. And the representative always has to have the resolution department call me back because they can never get them on the phone.

I have a very high interest rate auto loan from chrysler financial.  My payment history is ok, but not great.  1 30  day past due.  Always managed to get payment caught up.  Any suggestions for good reputable auto refinancing companies?  My credit score is poor, but I am working, and have been at my job for close to 5 years.

I have read that threatening a CA or OC with bankruptcy may help. How about showing them an IRS intent to levy? Drawbacks?  Dave

Anyone dealt with GC Services, Collection Agency Division? My AmEx account (+/- $12k) was apparently sent to them for collection after 120 days. I googled them and there seems to be a lot of negative feedback on them...

Does anybody know the laws on online lending in IA? I have tried to research myself online but can't seem to make any progress. I have about $3500 in online payday loan debt and am trying to figure out what to do. I have contacted langhorne debt solutions, does anybody know if this company is legit and will really help me?   Thank you so much in advance for any information you may have.

I need help with this and it's not a collection agency.  Here's the situation, I was ordered to pay off the credit card debt to my ex 4 years ago when we divorced.  Around August 2008 I set up an agreement to start paying 500 per month to get this down.  We made an agreement for 500 per month, total amount owed is 50,000 and it was interest free.  I did fine until about December.  Here's the issue, I'm a loan officer and work straight commission.  My income as been so up and down lately.  I have'nt made a payment since December.  I tried to explain to my ex that my income had been redu

My husband and I are both currently unemployed and behind on bills. We are nearing charge-off on some accounts and need some advice on what to do. We have been selling stuff to come up w/ some funds. Here is our status: BofA   3 total accts. They offered a settlement of $2500 on my two (totals 5700 ...one in pre-charge off), and a settlement of $11k on DH's $16k (can't even begin to consider that onr) GE Money   they offered $1900 on $3200 ...120+ late Cap One (1400) and Discover (5400)  both want to do hardship program only. Discover about 120 days, CapOne nearing chargeoff.

I am working with Town and Country Acceptance for my mega payday loan issues.  All of the loan companies have stopped calling and are accepting the monthly checks that T and C are sending them accept One Click Cash.  One Click Cash calls me 7 times a day demanding I make settlement I tell them everytime I am in debt consolidation.  They always tell me that they will not work will consilidators and I usually shut them up when I tell them they have been accepting the checks.  The threaten all kinds of stuff that will never happen.  How can I get them to stop calling!!