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We live in Florida, my spouse lost his job 10/08 and we have a large CC debt (24000) & one car loan (8900) we're unable to pay. We are already delinquent by 2-4 months. Other debt for now is current & we can pay. He wants to file BK, I don't. My question is with the joint CC how might that be handled if he files alone? This is the only joint debt we have that would be considered for BK. Thanks for any input.

Hey everyone I have lurked around for a long time here and wanted to see if you guys have any advice for me. I have a CC with Capitol One 550$, Plains Commerce Bank AKA Total Card 469$, and HSBC650$. Has anyone settled with any of these companies or have any advice. I can't afford my payments with the crazy interest they have on my account. I can't afford nursing school and these wild rates. Any advice appriciated.

I have an old debt on credit report from CitiFinancial and now being handled by good ol LVNV. It was for an auto loan that was "apparently" defaulted. They show charge off date 12/03 with Citi, but no info on dates of first deliquency, etc. I have just started process and disputed on credit reports but looks like that they are sending back basically same info and not sure if credit bureaus going to knock off report or not. My understanding that in my state (Missouri) that auto loan falls under 4 year statute of limitations. Is that true, and if so, am I correct that SOL is long gone.

I cannot locate an email address anywhere on this site for an email address for SPD Financial or Speedy Payday. They actually issued a refund of $870 for me but never sent a paid in full and on their website it still shows I'm in collections. I want to email them to tell them I need proof that the loan is PIF. I just hope the cashier's check they sent me is good.

In 2007 I took out a payday loan with Cash Advance USA located in Florida. I am a Minnesota resident. I paid 10 $50 payments and only borrowed $200. They are telling me that none of the balance was paid down. From what I can tell they violated MN and Florida lending laws and owe me money? Cash Advance refered my account to Capital Collections. They are nasty people. Swear, yell and issue threats to arrest me garnish wages. They call me at work they did actually call my Human Resourse Dept to try to garnish wages. They decline to give me a fax or an address.

Question: how do I get Experian and Equi fax credit report

Callled me regarding an Ikea account, that they are trying to collect on. They have my name, address and last 4 of social. I HAVE NEVER even shopped at Ikea, much less have or had an account with them. They said they will send me a letter, but just curious if anyone knows who they are. I'm a little concerned that maybe my name/ss has been used by someone else. No rercord of any debt to IKEA nor to Portfolio Recovery, shows on my trw. Can someone advise me. Thanks

I received a Civil Notice from Johnson Superior Court that Traci Gomien has filed as attorney and Palisades as Plaintiff. I have no ideal what this is about also I am on total disibility, on doctors care and only leave the house to go to the doctor. What should I do?

My husband has been getting calls from DRS since 2006. We had the same problem. Someone opened a bill in a state we never lived AND have never even visited. Come to find out a Sprint employee stole his information and sold it - thus creating our problem. We get calls from Nancy Miller. We get calls from Mr. So and So, and several messages from people you can't understand what they are saying. We even got an identity theft police report. We were told the only way to clear this up is to send 10 years of IRS W-2's, a police report and a letter.

has anyone heard of jordan mckenna debt services?