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I defaulted on a second mortgage back in 2006, which was sold to a JDB. They inflated the original debt by $5,000.00, obtained a summary judgment and began garnishing my wages last June. Are they mandated to report the interest collected during this garnishment to the IRS, and can I write it off my taxes? Thanks

Hi ! I just got the letter from Care Credit/GEMB : WE have sent you several notices that your account is past due....we have numerous programs we would like to discuss with you, to take advantage of these programs vall us by Jan 31/2009.

Hello, My credit scores isn't that great but I have a person willing to cosign for a small loan, $4,000. Her credit score is pretty darn good. I have no idea who to apply with though. Is cosigning an option for a unsecured personal loan or line of credit? Who would you recommend I apply with? I was thinking either Chase or Wells Fargo. I'm going to be using the loan to pay that 1st, last, security and all those other fees associated with moving. I have to move but basically can't afford to, lol.

Okay all you legal experts..I've been searching for hours and can't find an answer. My husband had a judgment against him (entered around Nov. 2006). By January 2007, he received a Writ of Garnishment and the money was already being taken out of his check. He went to court to object to the garnishment within the time frame allowed, at which time, the Attorney agreed to settle for a lesser amount, said she would dismiss the garnishment if we would agree to installment payments. We have been diligent about making the payments and almost have the debt completely paid off.

[font=Georgia][/font][color=Violet][/color][size=3][/size] Ok long story short I have 8 payday loans now. I started with one like most people and ended up with 9. i know that one of them is legit and will pay them like i am supposed to. The other on the other hand have now stuck me with a bank account that is 1300.00 overdrawn and are still trying to take money. What can I do?

My hours were severely cut in Nov at work. I took out a payday loan so I could keep myself going while I looked for a new job. In Dec my hours disappeared almost completely, still hadn't found a job so I took out more loans to keep from drowning. I now have 8. I lost my job completely this month and now my bank account is 1300.00 over drawn. I can't find any info on half these companies. They called me through other web sites. I need help on what to do!!! Here are the place I have loans through but don't know how to find out if they are licensed in my state.

I am trying to decide how to get out of this mess with my payday loans. I have cancelled my auto deposit and I will have six payday loans trying to debit my bank account at the end of the month. I am considering pdl assistance but after reading this forum I am wondering if that is the right decision. I am also considering wether or not to close my account because I have two storefront accounts.

I googled the collection agencies name, Western Aquisitions, LLC, and nothing comes up except my post on this website. I found on the state website that they have a recently activated licenced for debt collection in this state but I can't find anything else about them. Is there a web site some where that lists all of the collection agencies and their addresses?

I was hoping to get some guidance in breaking my four year cycle of payday loans. I’ve been looking around this forum for a few days and I have a grasp on what I need to do, but want to make sure I don’t leave anything out. Plus, I could use some advice if anyone has dealt with Chase Bank before. First, I’m opening a new checking account with another bank and redirecting my payroll there. I then go into Chase to close my account. How do I approach the bank regarding blocking ACH transfers? I explain that I’ve been victim to predatory lenders which I’ve learned are illegal in NY?

My husband is the only "Bread Winner" in our family. I have a debt with Bank of America that is a little more than a year old and has been recently charged off and sent ot a collection agency. My question is 'If I end up getting sued, and a judgement is entered against me, how will this leagally/financially affect my husband?' FYI the checking account is in his name alone and he was never a co-signer on this account. If it makes a difference we live in California and have been married for 17 years.