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Has anyone had experience with debt settlement for this credit card?

I have been searching for answers around this forum but havent been able to come up with a answer yet. I hope you can. while going through my settlements i had a dirty collector that double dipped my checking leaving me no money for 2 months. I had a budget account through a fuel oil company who brought me fuel oil to heat my home at 140.00 a month. I called them when this happend and told them i could borrow 50.00 to send to them till i got my money back. they seemed ok with this. Next month still no money yet borrowed 50 more called explained they were ok with it.

You know, I have a lot of CC debt. Honestly, I know it wasn't the right thing to do to keep maxing them out and opening new ones (and, yes, the still kept giving them to me) - but for years I kept up the minimum payments - as long as I still could use the cards it all worked out. When things started crashing last fall and most of my cards shut me down at whatever the current balance was I started to pay a bit more attention to just how much of that monthly payment actually went toward the debt. Not much.

NoOhiogal has gone over 1000 posts, so it's time to put her up for HOF. She was at 1001 the last time I checked. Can anyone do the poll, or are there assigned people?

OK guys.. I'm angry, damn angry.. Been averaging 80 hour week work schedule to stay current with my credit cards. Managed to cut 35% so far. I was assured 8.9 APR until paid. Just noticed they've been charging me 20.99 % since September. Was way too busy to notice it. When I called, Mr.

I have tried the edit profile. I have tried sending a PM to Jason. How do I do this?

Hi - posted the other day about call from "Angel & Cabreta" - it was very strange. Person said, "we've received a complaint about you and we want to give you a chance to tell us your side of the story" - that was it. Like he was from law enforcement or something. Does that sound like a CA trick? Scare tactic? Again, the numbers he left go nowhere. Thanks.

...but can someone here help me with not being able to log in? I joined when I first posted, and have tried to login (nothing happens). So I got to the "lost your password" part and have it reset, validate it and then I login and the same thing happens... I only ask because I am frustrated and would like to post here other than a guest. Thanks guys - you are the best ever. pmums

I have a Chapter 7 filed in 1999 that was filed at the time of my divorce. I have a Chapter 13 filed in 2005 due to my ex taking me back to court resulting in high legal fees. Both are on my credit report. When can I expect them to be taken off? I have several accounts that are listed on my credit report as a wage earner plan or included in the Chapter 7 and/or 13. Is there anything I can do to get them taken off or updated in a manner that they are not that bad?

I have a charge off from an old utility account showing up on my credit report. It's $176.00. Has the date opened as 08/2001 and balance date 02/2009 with 0 balance. Is there anything I can do to get this off my report? It's showing up under installment closed account section. Is this affecting my credit score and what if anything can I do about it? I want to buy a house and trying to clean up my report. Thanks