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Greetings all, Recieved a call today from Alliance One mentioning legal action if we did not resolve the debt we owed. He collected some general information from me and had me wait on hold while he "talked" to Wells Fargo to explain the situation. He came back about five minutes later and offered a lumpsum settlement at 70% of the owed debt (which we still can't afford). He wanted a good faith payment, but would not accept payment via mail only over the phone. Which I was unwilling to do. What is the proper approach to dealing with these companies? How far off could legal action be?

We have $36K in debt and are trying to find a company to help us. Talked to Debt Remedy and Whitestar Financial but get weird vibes. Can anyone recommend a solid company? The "Companies" list for TN only has one company but the website link is bad, so maybe it is also. Any recommendations are greatly appreciated. Thanks

I am in the middle of filing a Chapter 13. I have my first court date on Monday, 1/26. Last night my boyfriend asked me to marry him. Does anyone know how my chapter 13 (5 year plan) will affect his credit if we are married?

Does anyone have an address and fax number for this company?

My husband took out a payday loan from Alstate credit plan. It was 270.00 that we have to pay back. We have payed 45$ to roll it over some months, but not they are telling us that its a felony to owe them money. The women are saying that now we can both be charged with a felony because of non payment. Can my husband or I go to jail for this? He wrote the check out to cash, the other payday loan company, just went cash the check, these people wont even try to cash the check

can i get a consolidation loan even if i have a credit score in the 500's

I just got a summon from the court saying that american express is suing me for the my balance of 12,000. I don't know what I should or can do about the situation and I have already lost just about everything I own and am on the verge of losing my house. Is there a way to settle with them or should I just follow through with the court process? What can I expect in a situation like this?

Anyone heard of this comany they keep emailing me here is the latest, I will say one thing they are consistent on getting a hold of me. Email image with promotional content deleted - Jason (I wasn't sure if I should put their personal info, all worded areas were filled in with the appropriate information.) Anyone ever dealt with them?

I am so confused about what to do next and have been reading thru these boards. I have a biz that has been really hurt in this recession. My husband and I are living off a very reduced income and we are both looking for jobs. I have about $70,000 in CC debt, most in my name. I am trying to maintain payments on about $15,000 in debt on a few of the cards to keep my business going AND I don't want the biz credit dinged. My husband has 2 cc in his name that are current so his credit is fine. 2-3 months ago I stopped paying on 8 cards = $57,000. I got the calls, etc.

Here is my situation, my best friend sister is trying to accuse me of putting accounts in her name. About 4 years a gas bill was put in her name at my address, (how I have no clue), A bill or anything never came to the house. She wanted to press charges against me but decided not to. I still dont know till this day how that happened. Now here we are 4 yearl later now all of a sudden, she tells my best friend that she is pressing charges against me because of a Wachovia, First USA Bank, and a Citibank accounts are opened under her name.