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my fiancee...she owes about 50 grand on a loan. today she called to find out why they intercepted her taxes, and they told her basically NOW they were gonna start garnishment. even though the loans are like 7 years old. they offered a payment plan of 241 a month, but there's no way we can afford that. with our rent and bills and a 2 year old. and especially after they seized 5k of our income. they swindled her into signing up for direct debit, with the fear of garnishment. but the first debit is next week and we just can't afford another bill.

After settling a couple debts previously thru a major company, I now have "settled for less than full amount" on my reports. Then on the D.I.Y. steps to settle I read that I should request they report paid in full on my report? Have I misunderstood, and if not, is it possible to go back and have them change it to paid in full. I did get letters back then stating after the said amount was paid, they would mark it with "settled for less than full amount".

Thanks for all the help this forum provides. After researching my credit, I have found 3 different neg checks from Midland Credit Management. I have chosen to take care of at least the largest one, if indeed they are 3 different debts. My question is, should I just go straight to First National Bank since they are still holding the debt and skip the midland negotiating process? Also, Im sure that the one debt thru midland is legit, as the acct. number matches the real debt.

Hi there- looking for some advice. i have an old capital one balance of @5.5k that is being serviced by rubin and rothman. i received a summons from them today as a first correspondence, but after calling the county clerk, was informed they have no notices/summons against me in name nor in the number stamped on the form/summons. should i call them and inform them that i know that they've violated the federal fair debt collection act and hope they drop the claim?

We were expecting a check to be direct deposited and it was not, which caused our account to overdraw by approx. $2300. I spoke with the bank about payment arrangements and they offered a see if we could do a "Fresh Start" loan, or another type of loan for about 12 months. We really just want to pay off the full amount within 30-60 days and be done with it. Both of our paychecks are direct deposited. If we change the direct deposit to our account at a different bank, approx. how long do we have to bring the account positive?

I have over 70k in cc debt with Amex, Chase, and BOA and can't pay them all. Amex is now with Nationwide, Chase is at 120 days, and BOA is about 150 days. I already gave up my home and can barely make my rent and car pymnt each month. I honestly don't see any way to avoid bankruptcy but I'm not sure I've exhausted all options yet. I have about 4,000 in savings left to live on (until I can get a better paying job) so I can't settle with everyone. Can anyone lend some advice? Thank you.

Hi there- looking for some advice. i have an old capital one balance of @5.5k that is being serviced by rubin and rothman. i received a summons from them today as a first correspondence, but after calling the county clerk, was informed they have no notices/summons against me in name nor in the number stamped on the form/summons. should i call them and inform them that i know that they've violated the federal fair debt collection act and hope they drop the claim?

Last August or September, I was posting in a forum for a stock that I was trading which was in a company that was involved with subprime lending. I no longer have any investments to trade, as I'm broke, but while I was there someone was posting about a guy named Glen Kealey. He's Canadian but apparently some sort of "expert" in real estate. The poster indicated that he was a subscriber to Kealey's newsletter, or something along those lines. I blew it off because I was current with my mortgage at the time, but the premise behind the information posted stuck in my memory.

I am being told by Capital Collections that they are a law office not a collection agency even though in their title it says Capital Collections and they dont have to follow the FTC regualtions and laws dont apply since they are a legal dept

How can i find out if the following company is legal and legit? Capital Collections PO Box 02-5635 Miami, FL 33102 telephone number 1-888-579-8904 they are abusive, threatening and are currently telling me that unless I pay them the $300 I owe them tomorrow they will tack on check fraud feees of as much as $3000 on 2/20/2009. I dont even have $50 to pay them today let alone $300.