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I have been to debt counselors and a bankruptcy attorney. We don't make enough money to file chaptr 13 and set up a repayment plan ( only have max of $200 left each mo and we are over $115,000 in debt- $75,000 to B of A) but we make too much money for chapter 7. My husband had to take a lower paying job due to sinus tumors (4 operations in 2008) and I am a real estate broker who also works a full time job at night. Several of the debts have been charged off so now we're dealing with nasty CA's- Any advice - We really feel stuck in the middle.

i paid an old debt with a settlement offer will my credit sore go up because of this my other bills are paid on time

My car got repoed last monday, they gave me 10 days to come up with 900 dollars... I have the money and now I need to know what I need to do to get it back, and what I need to bring with me to the bank in order to get my car? Do I need proof of insurance with me?

I'm planning on going it alone with either settlement or the more extreme plan of using ifo regarding the whole banking/debt scam (although I know this will take LOTS of study and research). The CC company has called lots (I'm only 2 payments behind at this point) and one time I made the mistake of answering the phone. The guy was very kind and understanding of my situation and offered me options. He said they could put a hold on the card for six months, bring my rates way down to 10%, and I would only have a $100 payment due each month for the six month period.

I just recieved this email and a phone call from the company. What do I do now. It was a $300.00 loan I am in Nebraska and I have sent them $200.00 in money orders. I do have the accounting office address for Impact Cash. Thanks for any help. The email: As of this date, you remain in collection status with High Country (Formerly Impact Cash). You must make arrangements to settle your account. I am more than willing to work with you on doing this.

Greetings: I came here to get some information about a shady collection agency trying to collect on a debt from 2001, and pleasantly discovered that I was far from alone with my woes; and also discovered a wonderful site with intelligent, witty and compassionate people whom I have learned so much from. And would like to try and help others if possible. I first got into trouble with debt when I was in my early twenties.

I am sure that this is a question that has been answered before, but since I am new here... how do you rate American Debt Control? I saw some old links but I also read that they have been up for accreditations (though still not with BBB who gives them a B rating), Any information would be appreciated!

iam sending this to the collection agency called capital managment services,lp out of buffalo ny 14210 this is in ref to a letter i recive i dont feel i owe this here is the account#account number removed premier bankcard,inc balance $492.26 thank you email me back on this matter

Hello all, It's been a while. I came here looking for advice on my credit dilema I found myself in a little over a year ago. I recieved a lot of great advice here and finally won my battle and got the tax lien removed from my credit reports. I just wanted to say thanks to all who helped me out and I will try to make it around more often to continue to try to help others as I have been helped in the past. :D

I'm trying to organize all my debts so I know who I owe what to. However in less then 1 year many of my debts have been sold to more than one collection agency. Then I've got some that I thought were sold to collection agencies but the letters from the collection agencies say to send the payments to the original creditor...My goodness I'm confused. What is the best way for me to figure this out. I'm ready to start paying these folks off, just don't know who to pay...Reny