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i did the poll for floridaron for the HOF.never did a poll on here before.looking for opinions and crtiques.

What if you are collecting unemployment?

I got a $500 loan and have paid $935. I have sent them numerous emails (to the customer service department and two individuals) revoking authorization to debit my account but they continue to do so. I keep calling them and they do the broken record thing and don't listen to me, saying I have not yet paid off the loan. I need help with this! Do I need to close my account? I requested from the bank today to block them, and I have filed a complaint for a refund with the BBB, but I am really angry that they have ignored my demands in writing to stop debiting my account. Help! Thank you.

I am an educated person living in Wisconsin that has found myself in a bad place. I have 5 local store front loans including to Check 'n Go, The Cash Store, PLS, EZ Money, Check Into Cash. The smallest is for $854 with interest and the largest is $1785. One of them has been rolled over three times, three others twice, and Check into Cash once. I know that in Wisconsin they can not charge me criminally. I have talked to my credit union and State Financial Institution and I am thinking of closing my account.

I had this friend as a cosigner on my mortgage, I am hurtuing him by having difficulties in paying in time, I tried with one LO to take this friend out of mortgage but couldn't do it...the LO said I have to pay in time for 12 mo, the other problem he mentioned is that my income is not sufficient for this mortgage...

Looks like on of our new members has a credit repair website. I've gone thru and cleaned up the posts that were missed so his link has been removed from all posts. I PM'd him to have him remove the link form his signature. If he does not, then an Admin may have to go in and remove it for him.

I was evaluated for BK last week and my attorney told me I don't have enough income to file Chapter 13, and have made to much to file chapter 7. My income for just living expenses which does NOT include payments on 60k in credit card debt is falling short by about $400.00 a month. My father loned me the money to pay my tax bill so I would not fall behind on my property taxes which is how I made it this far. My credit cards are maxed but current as of this note, but I won't be able to pay a single one of them this upcoming bill cycle. What now? Do I just let them all go?

I have been reading through this forum and am in need of advice. I have 9 credit with a total of about 148k debt. I am current with my payments but am running out of money. I do not want to file bankruptcy but need help in determining what I should do. My main focus is debt settlement, but I am afraid of getting companies that merely take my money without actually settling my debt. Should I try to talk to my creditors alone? I am also concerned of being sued. What should I do? Thanks

I have a couple bad checks out there, I cannot pay them and I'm about 3 days away from the deadline. What's ky's laws on this and who should I contact??

Can a credit card account still be charged off if you are making monthly payments, but they are less than the required minimum? Thank you