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Here is my story, I have 2 BOA cards. One is 19k and one is 1k. They raised my interest on the 20k and I have tried everything to lower it to a reasonable rate so I can pay it off one day. Well, they will not lower it and I can't continue with the payments so I want to try and settle on my own. I have read alot about settlement on here so I think (hope) I can do it. My questions are; 1. Should I pay the smaller card completely off so I can still use it or will they close it on me? I just made a huge payment on it and brought it down to 1k. 2.

Hey Guys....I have been reading this site for the past 3 years. This is the first time I have ever posted. The material on here as really helped me manage my debt and at one time I was in the payday loan trap. Just curious.... I had a collection agency call me that I have never heard of today. The gentleman identified himself as Christian Lafferty(I'm not sure of the spelling) said he was calling regarding a legal matter and it would be in my best interest to contact him ASAP. The number he left was 716-218-4832. The number that showed up on caller id was 716-218-4899.

Recieved a 30 day letter from Fred J Hanna on a HSBC Bestbuy account that I let get charged off because I lost my job. I know about him from the past beacuse just recently he also contacted me about a Capital One account that he eventually filed suit on me and I had 10 days to pay before I would be responsible for attorney fees, so I called and just transfered the capital one debt to another credit card so my wages would not be garnished and so he wouldnt get a judgement against me. But right know I'm all tapped out.

I got a loan from them about 2 months ago for $150. HOw long does this take to pay off I have already paid 355.I have emailed them many of times and I get no answer from them.

Does the original creditor have to remove the debt from your credit reports if the collection agengies or they do not validate the debt within 30 days?

I have two storefront pdl, and i live in missouri, they are through advance america, check n go, both I owe over 500.00 instead of paying intreset i just kept renewing them, now I dont have any money coming thru to pay them off- they keep calling my phone and i just dont know what to do?

Had received letter and calls from PRA. The original debt was I believe either an HSBC card or Providian, not sure which. When I spoke to them some months back, I told them my situation, that I would love to pay, just did not have the funds to pay it. Unfortunately, since then , I basically ignored them. Was not aware of DV requests, etc. Now they have placed the account with Sessoms & Rogers. Got a voice mail on my phone yesterday from them. Called PRA and was told I had to deal with the atty now. Called the atty and got vm. Left my contact number, have not heard back from them.

does anyone know if cash supply is legal in the state of ohio.

I declared bankruptcy chapter 13 in 2003, to start fresh my attorney did not include property liens. I dont want to lose my home. What can I do??

does anyone have a mailing address for cashsupply ?