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are there any fees for the service,if any what are those

Can I really do this myself?

I have a car loan with a credit union & it has always been current, but my credit card with them is severly past due, they gave both loans to a lawyer to collect the debt, even though the car loan was current & now refuse to discuss account with me, they even added a lawyer fee to the car loan & stopped pulling the car payment out of my account with them, I get bills & emails saying I AM past due on car loan, yet the $ is in my account with them where it has always been taken out - can they forward a current loan to a collection agency/lawyer?

Does anyone have an experience they can share regarding doing both debt settlement and a loan modification? Will doing debt settlement help me to qualify for a loan modification because I would have a lower payment now doing debt settlement and therefore be a better canidate for loan modification? I would figure if I was a bank and someone had a mortgage with me that if they were bettering themselves by lowering there monthly bills it would help but again I don't know for sure.

how does credit counseling affects my credit report? what if i have a good credit? what if i have a bad credit? what will happen

I just received a notice of proposed wage garnishment on my student loan in the mail. At this point I dont know what to do. Im a single person and cannot afford to pay 15% of my disposible income. I can barely afford my monthly bills as it is, I dont have a dime left in my savings and Im up to my ears in debt. With that being said, I was wondering what my options are? I spoke with the collections agency that holds this account a couple of months ago. They offered a repayment plan that could restore my loan but that was unaffordable to me as well.

Forgive me for having to post yet another beginner payday loan question but I have been online several different times, through your help pages and I'm just so unsure about Utah's rules. My name is Tina. I Reside in Salt Lake City, Utah. I have 5 payday loans in default. Date Creditor Type Original Fees Pmnts 10/21/08 PayDay1 Online payday loan 500.00 112.50 112.50 10/20/08 CashNetUSA Online payday loan 500.00 125.00 125.00 10/31/08 Check City Store front pd loan 250.00 40.00 80.00 11/14/08 Check-N-Go Store front pd loan 546.00 182.00 0 11/21

Have any of you used a debt management program and had accounts that are with collection agencies? I'm about to do that and wonder what problems I will have.

I am thinking about signing up with a company called Clear Financial Solutions, out of Orlando, Florida. They want to charge me $1995.00 (one time fee) to have all my credit card interest rates reduced to under 4.99%. Is this a legitamate company? I checked google and can not find any negative info. although I am still suspicious. Can you inform me of any negative or scandalous activities??? Thank You!!

I reside in Florida, have a company trying to collect on a debt that has not been paid on since July 02. What is the law for collecting. I originally lived in Ohio?