Search forum

I am heavily under debt. There is $15000 outstanding. I am in a fix whether to take help of a debt solution company or go for DIY. How far can a company help me in reducing my debt? I am more interested for DIY as it will save me many dollars which I have to pay if I opt for a company. What is the success rate of Do it yourself? Any suggestions?

I had a collector call my home phone at 7:03am. It's recorded on my caller ID's and I even have a fax machine that prints a page of phone numbers that call so I have a record of it. They call my cell phone a lot as that is what I use for my contact number. So far this was the only time they called my home number. But this is the first time a collector has called before 8am and I'm not sure if I should do something to follow up since they violated the fdcpa? Can you get money for something like this if it's just one time?

I have 5 credit card accounts that I will need to settle on because I can't pay them. I doubt with my reduced income I can settle the two largest ones (22k and 15k). Should I try to reach settlements with the ones I believe I can pay and hope my income improves to settle the others later after getting the smaller ones off my back, or is working them largest to smallest the best course of action?

What is the preferable mark to have on your credit report once you have settled a debt? Should it be "Paid in full" or some other mark? Also should this be part of a settlement agreement I may make with any one of them?

I live in Michigan and have found myself like many others, unable to pay my credit card debt. My wife has a credit card with a high balance ($22,000) only in her name. She does not work, nor did she have any income at the time she got it. They just continually gave her more and more credit without verifying additional income. If we cannot pay it and it goes to court, will they be able to collect on it if she has no wages to garnish or can they come after mine? Her name is listed on the house, but after the housing downturn we have no equity and no real cash assets.

Not sure who all is here that will remember me, but thought I would stop by and say hello...and read up some on the boards. =)

texas payday loans are very pro towards lenders. I want to get out of the cycle.but dont know how I want to pay them off in smaller payments because I have too many medical bill. disabled vet.

To All It Concerns, I am 100% disabled, and, no longer not live in the America. Some one made a mess of my credit via cards. How long will my credit remain bad? Sincerely, What ever

there is a shill known as MULTIMASTERY running around.the advice is okay,but there signature is a link to a site that grants pdl's.how do you eliminate it again?

I am so pleased to report that a Big Mac at McDonalds is more expensive than a share of Citibank Stock. I hope they lay off every debt collector that works in house. They reported me 30 days late and it triggered a universal default.