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I have $6,500 in monthly bills. Not much, if any room to reduce this (mortgage, utils, food, car payment, etc.) Plus - I have $4,500 a month in Credit Card payments. ($145,000 debt) My take home is approx $9,000. I am $2,000 short each month. Firm candidate for chapter 13.

did anyone else read banks vs consumers guess who wins ...businessweek online..pls do yiur self a favor and read re: most of your questionsasked here on credit cards[font=Georgia][/font][color=Black][/color][size=6][/size]

Hi. I was served a summons in the State of Washington (Seattle) for a debt. The server gave me a form to sign, stating it is an acknowledgment that I received the summons. I was quite nervous, but now I am thinking it could have been something else. I didn't look at it close enough because I never really had to deal with anything like this. It says I have 20 days to respond. I'm worried about what I signed now...Could the server have lied?

anyone have trouble with them?

Is Genesis a reliable company? My friend told me they were wonderful but I'm not seeing good reports.

For the past few months, I have paid the Palmer Firm for debt settlement. I had a few creditors still calling me and say they won't deal with Palmer.. so I started to negotiate my balance on my own. I was able to lower a settlement to Palmer an additional $200 dollars. Anyhow, since they originally sent Cease letters to my creditor, should I notify my creditors that I am no long with Palmer? The reason I ask if because most of my correspondence is going to Palmer. I won't know about collection efforts or settlements if I don't get the letters?

Is it a good idea to pay closed accounts on my cr?

When sending letters to PDL's requesting paid in fulls, refunds, etc. How much time should you give them to respond? In the letters, it says something like I expect a response from your company no later than January, XX, 2009. How many days should you give them?

pls tell me someone has read banks vs consumers guess who wins naf arbitration biggest scam. i have been taken to court by 3 different companies on the same debt going in march again

Is there anyone who has has worked with a company called Resqdebt and has been successful in getting their debt resolved?