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Hi, I have received a letter from my CC saying this is the last oppertunity to resolved the debt issue before it is written off. The date is actually today. I have talked to them several times in the past few months, and we have not been able to find enough $$ to satisfy a settlement lump-sum. The bank said last time they will reduce the 40K debt by 50% - but that does not help me since I would not be able to make anything over 100 per month. Current monthly payment is $700 and I am at least 120 days behind. Is there a way to make this work? I would appreciate any advice - thank you.

What happens if you are almost 120 days behind on CC payment and you make a small payment? I've been optimistic (to them) about our financial situation, but it has not resolved itself. I don't quite know what to do. I only have about 20% of the current balance saved and they haven't offered any settlement. They keep pushing for a payment plan (which I can't sign up to because I need to pay for the roof over my head and food on our table).

my payday loan sent my dedt to the collection international financial se, and collection sent to the credit agency, what should I do??

If anyone can tell me what company is better for debt solution?

I have currently 4 payday loans and was wondering about indiana regarding these 500fastcash, oneclickcas, pdloutbacks and pdl high country ventures. 500 fast cash-borrowed 300-paid over 500 says I owe 130 one click cash-borrowed 400-[aid 120 so far pdl out back-borrowed 325 paid back 450 says i owe 110 pdl high country ventures have no idea cant find a way to check

how do I know that this is not just some kind of gimmick just to get my money?

Hi! I live in Oregon and have been reading a lot of the posts on here regarding PDL's and want to see if I can get some clarity on what to do. I have 13...

To make a long story short, I am behind on CC's due to a lack of employment. I got notice from two (one letter though, both FIA card services) about to be charged-off. The others are around the same point in past due status. I called and offered what I could pay (basically my tax refund ...about 14%). They countered with a 40% offer. My concern is once I am employed and back on track I really want to focus on getting rid of debt.

I was in collections with UCB for an outstanding debt of 11,000. They offered to settle for $5000. I sent them a validation letter and they never responded. Now it is with another CA and they just called offering me a settlement of $9000 so we're going in the wrong direction obviously and they were bringing my husband into the picture. He's not on any of my cards and they want me to disclose his information. I told them I would not. Do they have any right to ask for that? They seem very pushy about that.

I sent a letter to CashNetUsa about them operating illegally and revoked any and all ACH authorizations. As well as quoting many Texas Laws and this is a reponse I received back. What does he mean, is he being a jerk or implying something? "Disregard. It is spam to get you to pay someone money..." What do you guys think?