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My husband and I own a home, and are current on our mortgage, car payments and even our credit card payments. HOWEVER, we have about $125,000.00 in credit card debt. Most of that has eneded up being interest at this point as all our rates were jacked up to the high 20's (29.99 is our highest). We are paying $5,000.00 a month in credit card payments just to keep current, but it isn't getting us anywhere. We are at the point where we need to consider debt settlement, consoliation, or bankrupcy.

Hello, Im new to the forums and have found it to be a wealth of knowledge and Info, Thank you SO! Please excuse my poor typing :-) In a nutshell I was self employed till September of last yr. when I had to close my business in finance. As well, Due to a failed cleaining business my wife tried to start earlier that yr (08) we incurred approx. 22K in Unsecured CC debt with JP/CHASE (Which I have read both good and BAD about here accordingly).

Hi there, I just wanted to find out if I should contact my creditors and let them know that I will be doing a settlement? My situation has been going on, and is starting its 30 days past due, with credit cards about 80k, auto 28k current status 51 pmts left, and line of credit with my brother with boa started 7 months ago with a balance of 42k. been keeping this boa line payment current as well auto. My income dipped to 2k a month from 7. And my savings have tanked since the income and can no longer pay off amex,chase,citi, etc. Any advice is helpful. thankful.

HOW CAN I PAY ONLINE

Could anyone recommend a good tax attorney in nyc please respond here. Thanks.

Hi, I've posted a couple of times over the past few days. I successfully changed my account status yesterday so that these illegal companies can no longer rob me. I have three illegal internet loans (I'm in NM and have checked the website at the NM Reg and Licensing Div website for these companies without success).

Jurisdiction is Washington State. FACTS: 1- Ex defaulted on car loan I had co-signed. 2- OC had my address (on contract), was advised (by phone) of divorce and address confirmed, and sent paperwork for title name change from divorce to this address. 3- No notification of Ex’s payment delinquency – no chance to take over payments. 4- No notification of impending auction of car – no right of redemption as law required. 5. CA (junk debt buyer) is demanding I pay the deficiency from sale of vehicle. (Ex is in hiding from creditors.) OBJECTIVE: 1.

Has anyone had any dealings with this CA. Everytime I talk with them on the phone I get different answers and information. I asked them to send me a settlement letter via email which they did but it didn't have a breakdown of interest, principle, CA expenses which I asked for.

I just spoke with a person from AT&T (about this fiasco with a cellphone bill which was sold to JD Enterprises). She claims that the SOL starts *again* once the bill is sold to JD. Is this true? So a bill from 2001 starts all over again each time the debt is sold? (I found out it has been sold to 2 other companies before JD bought it). They are also "willing" to settle with me for half of the debt... but, as I said before, if the SOL actually is past, then I won't give those parasites a penny. Can anyone tell me the validity of this please? Thank you! Patti

I sent Mitchell N. Kay a validation leter by certified mail and return registered receipt. I informed them to communicate to me by letter only. the office has since called and left a message to call them about settling a debt. They have not produced any items requested in the validation letter.Any advice?