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I have 5 cc's. I know, bad choice. I want to settle on 3 and keep to active. Can I do that? Can anyone offer any suggestions?

Contacted HSBC today about reducing payment. They told me they could do nothing. Gave me information to contact National Foundation Credit Counciling at 800-388-2227. Anybody have any experience dealing with HSBC or National Foundation Credit Counciling?

After a week of talking with Chase bank, they contacted me today and said that I was approved for the Balance Liquidation Program. The terms were 60 months at 2% interest ($374). They said I need to make the current payment of $1061 before the paperwork could be generated for the 60 month payment. I asked for this in writing and they said it would not happen in writing until I make the account current. Does this sound right? Anybody else experience this?

Is there a form letter to e-mail pdl's to stop calling my work? I am home on a leave of absence and they call work annoying my co-workers.

Hello, I currently have about 10 grand in debt and a bussiness loan that is worth about 24 grand so in total about 34 grand. I need a way to consolidate this debt so that I can better manage it. I have tried dealing with Century Negotiations Inc. but feel that they are not holding up there side of the deal and when I pay 300 a month to them they are taking 85.00 in fees. I am lost and feel like I am drowning. Is there any hope?

I have defaulted on 3 credit cards and I'm currently unemployed. Also I'm temporarily living with my brother. I need the unemployment compensation and my upcoming tax refund to help me get set up again so I can begin working and pay off the debt. Can the creditors take my unemployment and refund, even though it will prevent them from getting all their money in the long run? I live in Seattle, WA

As a follow-up, I search the NV BBB site for the last known address for Credit Protection Depot. The company, according to the BBB, is out of business and has not responded to the complaints already filed. I call the NV Division of Financial Institution, the lady informed that they do not show a collection business called Credit Protection Depot operating out of NV. She advise to not to wire money or pay any money unless they provide an address. She also asked that I file a complaint at fid.state.nv.us.com so they can further investigate.

Okay, so, following up with my post yesterday and everything. I've tried and tried and tried with Bank of America to do something to get them to put a debit freeze on my account, but they won't. The fraud department won't help me even though I told them about the company (MyCashNow) being completely illegal in my state. They said to dispute the debits, they'd also have to dispute the original credit to my account, basically I'd have to give back the $420. And with my account being overdrawn like $500, I can't do that.

Can the wage assignment be enforced? Should i close my checking account? any thoughts on PDL assistance where they consolidate, and i pay them the difference

I was in over my dead debt wise and didnt know where to turn to. I was being harassed by creditors and collection agencies every day 9 to 10 times a day! I finally did something about it and talked to the guys over at cantaffordmybills.com and they made all the calls go away, they got me into a program i could afford and they got me out of my debts finally!! Im so excited! Just thought i would share for all of those who are in trouble! -Justin