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i am in the process in joining a debt settlement program. I have abot 35,000 in unsecured debt and debt consolidate monthly payment is to high. debt settlement looks like it would be my only way out. I own a home me and my wife with two kids would debt settlement tear up my credit report or would i be able to rebuild quickly. please respond

I just got a copy of WebPayday's response to the BBB of Houston, TX. They talk all about their license in Utah and that because they encourage reading all terms and they don't think I would have taken out a loan that I believe to be illegal, they disagree with my assertation that all I owe them is the 425 they originally gave me. Is this a bunch of snow? Oh I'd love to know how I'm supposed to read the terms of a contract I never had to read in the first place. (I live in Texas)

IN MY DIVORCE ( HE IS DISABLED) MY HUSBAND AND I NOTERIZED A LETTER THAT I WOULD NOT BE RESPONSIBLE FOR HIS BUSINESS TAXES. I KNOW THAT IS NOT GOOD ENOUGH SO I WANT TO MAKE SURE I GET THE $40,000.00 THAT IS DUE ME FROM THE SALE OF OUR HOME. WHAT DO I NEED TO DO TO GET IT, I AM MOVING 400 MILES AWAY. THE JUDGE SAID I GET THE 40 BUT THE IRS SAID I AM S'POSE TO PAY THE TAXES. CAN I PUT A LIEN ON THE HOUS AND NOTIFY THE IRS OF THE SALE SO THEY GET THEIRS?

We just received a summons in the mail today. My husband had to go to the ER. He has had asthma his whole life and was having trouble breathing. He told the Dr. what to do to make him better but of course was ignored. Needless to say after 3 separate visits in a 24 hour period he had to be admitted. Now we over close to 10000. We haven't paid anything on. For one I don't believe the bill would have been that high if they had done what they were suppose to do in the first place and second we dont have the money.

I have a settlement question for anyone who can give me some input. When you settled with a creditor did they wave any overlimit / late fees or additional charges once you stopped paying on the account? I have some high balances and high interest rates and I'm afraid that 50k will one day be 75K. Has anyone settled and had these charges dropped to settle?

I will be the first to say that I Freaked out when the collection agency threatened to send a garnishment to my employer. So I agreed to pay far more than I count afford. They told me that I either had to pay voluntary or they would get 25%-50% of my income. When I told them they were wrong only 15% they told me nope and they didn't even need a Court Order.

I have found a company that will settle my cc debts by negotiating with my creditors upfront and then send $$$ to them each month instead of the traditional savings account way. Anyone have any thoughts?

How can I get these original creditor calls to stop? I'm thinking of just changing my number or taking the dang thing off the hook! I just can't deal with them anymore!

Does anyone know the payday laws for Indiana? thanks

Hello All Fellow Bloggers! As we all have fell on hard times at one time or another; I too chose to the PDL and thought that 1 won't hurt and then 1 led to 3 and several more!! I had no clue that these companies were or could be operating illegally!! I am in TN and here is a list of my PDLs: Cash Direct Express powered by GECC Bal 113.85 PayDayOne Bal 1089.00 Rolled Over Upfront Payday Bal 585.00 US Fast Cash Bal 390.00 Huskhawk Group Bal 390.00 Paid 90 in fees SDS Bal 390.00 Paid 90.00 in fees CMG Bal 390.00 Paid 90.00 in fees I of course have processed these all thru the internet.