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I owe around $1000 on a credit card that was written off in early 2008. It was originally just for 300 or 500 but, with interest and fees is up there. I got a call from a "law firm"/debt collector in regards to this. I do not dispute that I owe it. He told me enough details over the phone that I know they could validate it, even if I tried to deny it. So, here's my dilema: what rights do I have in regards to setting up payment arrangements? How much is "enough" to pay each month? My income is minimal and I would like to pay $100 per month.

I have received the sett. offer from Amex after 1 year i did not make payments. It is surprising since they sent me to CA and i received the CA letters many times. I They offer me sett. for 55% from the balance. But the bal is much higher than the original amt since the 1 year int & late fee added. Can i negotiated to settle less than what they offered me? how should i do that? i heard some pp can settle for 30% from Amex. I lost my job but i will try to borrow some $ from relative to settle asap. Hope anyone who has experiences w/ this will help me !!!! Thank you !!!!!!!!!

I am being served by a collection company. I am from Michigan, this is a valid debt and I have been paying regularly on it. They decided they needed $75 a month instead of $50 and did not tell me. I called them got caught up and made a new arrangment, they say thay cant stop me from being served and can't legally tell me not to go to court. What do I do.

I've been looking into debt settlement for our 47,000 worth of debt. We truly need relief as we are down to one income now and are not making it month to month. I've talked to 6 different settlement companies and just when I think I may have found one I can trust, I research further and find out they have terrible reviews. I understand the nature of debt settlement makes companies susceptible to bad reviews but my husband and I have struggled so much already. We just can't afford the stress and pain of being taken advantage of -- esp. right now.

Does anyone have a fax number for Citibank? We are filing BK 7 and I need to fax them a request to stop withdrawing payments from my checking account. The address I have is P.O. Box 6077, Sioux Falls, SD 57117. Thanks!

My daughter graduated colleage with a lot of debt, she has privite loans, I heard you only have two years from the time you graduate to consoludate them, is this true?

I received a voicemail message at work today from 800 380 4574. The woman was EXTREMELY serious, said I'd been named in a civil complaint, gave me a case number and phone number, said I should be prepared to contact my attorney immediately about this urgent matter and - before she hung up - said "Good luck!" I figured it was a "bottom feeder" collection agency but I thought I'd give them a call. The man I talked to said I was indeed named in a civil suit for a PDL, he gave me the name of First East and said that was all the information he was able to give me from the attorneys.

i had loans through webpaday, cmg group llc, and paragon which were all internet payday loans. they got turned over to NCA which i basically told to go get fu@#^d then they turned them over to mclemore and edington pllc attorneys at law. i am in TN and those attorneys are about 4 hrs away from me. i am not sure if webpayday is legal i hear there are 2 of them and 1 is legal and 1 isnt i have also heard that cmg is legal but not sure about paragon. i have over paid all of these. does anyone know about those 3 companys or the so called attorneys that have it now

does anyone know the website info for cashdoctors of utah payday lender

Hi After many days of research & careful consideration and lots of time on this site reading all that I could, I decided to handle my own payday loan nightmare. I live in NJ and through this site I have found that they are prohibited. A few of them I have already paid off according to this and some I still owe on . I closed my bank account 10 days ago. Today I sent Certified C & D letters to those I had addresses for and will email the rest.