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I am currently dealing with Chase Bank. So far, everything has been by email. They raised my minimum payment to 5% and added the $10 monthly fee (like they have to so many other people). I told them I could not make the payment. They povided three options 1) the refi for 7.99% for 24 months then increase APR 2) keep the high min payment with current APR or 3) close and pay in full. I told them none of the options were acceptable. I emailed an offer for a one-time buy-out of $7700 on a $22000 debt. They just emailed me back saying they need to talk to me live. What can I expect now?

has anyone ever heard or dealt with this company? They see to take a different approach

I have a lot of CC debt and I am with a Debt Settlement Company, so I am saving up. I am wondering if I get sued does anyone know what can be taken away (bank accounts, cars, houses, etc.) in Florida?

B of A recently reported me to Chex Systems due to a deposited check that did not clear from an active account? B of A closed my account before trying to put the check through again (check would have cleared a day later-direct deposit in effect) I need this fixed, I should have not been reported to Chex Systems for this. Do I need a lawyer?

I had and account that I disputed and had removed by BOA in 05 This past year it popped up under rjm ack but here is the funny thing rjm is listing it as placed for collection 12/08 but the fall off date is 2011? That falloff date is dead on the money to the item that was removed 5 years ago as a fraud account and isnt on any bureau. Here is the kicker its a not only a direct enditement they know the info isnt accurate yet post it anyway and worse they will verify the CA debt. check your collections if you have disputed items that were removed and then pop up on transunion or equifax if th

CACV won an arbitration award against me at the NAF in 2006 for an alleged debt to MBNA. Now, they've filed suit against me locally to confirm the award and turn it into a judgement. I'm thinking that my main line of defense to get the case thrown out will be the FAA clause that limits filing an award confirmation to one year. But I don't know how Missouri courts interpret that law and have been unable to find Missouri caselaw to support that line of defense. I understand that it's unlikely that these types of cases will get dismissed, but I'll certainly try to fight them the best I can.

Just want a quick confirmation from the board. I dealt with a storefront this week who I discovered was charging way more in fees than my state allows as well as violating other state guidelines. I had already spoken with my state Department of Financial Institutions and was assured that although they are licensed, they were operating illegally. All I asked of this company was that they give me credit for the excessive fees I had paid and credit the payments I had made toward my principal. I was asked by the owner what I was trying to "pull" and accused of extortion!!

Recently checked my credit report and found 3 Credit card accounts my husband opened without my knowledge. He claims I was just an authorized user and never gave them my ss#. The collection is on my credit. What can I do?

I still don't know for sure what to do. I have had no money to put back for debt settlement. I am 2 months behind on about 5 CC. If I was given enough time I might be able to dig out of this but I am talking years not months. With BK are you able to pick what debts you want to discharge? Explain what insolvent means? I am self employed, I am going to be paying to the IRS also this year and so I have not even been able to get money put back for a settlement. I also want to know how long I have to get a bankrupsty filed with regard to late CC payments and being able to discharge them.

I have just gotten 2 letters this week from 2 of my creditors. I am approx. 2 months behind on most of my cards. I have gotten a letter from Citi and US bank. I really don't want to file BK but may not have a chance if I run out of time. I am assuming if I file if I have to before a judgment comes down I am fine. As of yet I haven't any way to start saving for settlements. I am also going to have to pay the IRS some money this year, they will come first. Do I have months or could I have a year yet?