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I've been in and out of debt, but now i'm on top of it for good. I've gone around and around with things like debt collectors and discharging credit, both for myself and for others I WAS in the hole for more than 15000, but that's been pared down now, thanks to frugal living, working with a credit company, and discharging some credit cards next step: fix credit score, and then use credit WISELY Educate yourself! best advice ever

Hello I was sued by Atlantic Credit and I called the lawyer's office and they agreed to a payment plan, however she told me she would mail me a stipulation that i had to sign and return What is a stipulation? Should I sign it???

I'm in missouri and have been sued by cach for an old providian account that was a charge off back in 2005. sold to cach in 2006. They sent me Interrogatories that i guess I have to answer but some of the questions they ask.

Hi! I know a lady who gets paid $500 to remove items and lates from people's credit reports permanently. She says it's all within the legal reporting acts, etc. How does she do it? Is there a certain letter(s) that she writes, etc.? I've seen examples and it really does get done. Thanks!! Michelle

Does anyone know the law in NY on payday loans. Are they legal in NY? Anyone with information I would be thankful to.

The BBB has closed my complaint against United Cash Loans on line lending, I am in Nebraska, without resolve. Was I wrong to resubmit the complaint to try to get it resolved? Thanks

I am currently totally disabled my only income is from social security. I live in a rent controlled apt, I have not car or anything of any real value and I keep getting harrassed by collectors threatening me on debts that I cant afford to pay. After reading this site and doing some research I have found that my income is not able to be garnished as none of my accounts are for government things. (unpaid medical bills, an old telephone bill, etc) is there a way to get these collections agencies to quit calling me.

My student loans went into default some time ago. My federal loans were rehabed and are now in good standing and I was able to defer them for a little while. My private loans are still in default. They've been in default for some time and I don't know how to approach it or the collectors. They have no obligation to help and don't have any rehab programs like the federal loans. I want to pay, but I can't afford to pay what I owe at once, so what do I do? At this point, I don't even bother with my FICO, my credit is destroyed.

Greetings! I' haven't been back here for months but received invaluable support and advice when I joined last Feb. My only lingering loan is a title loan I took out on my car in August 2007. The loan was $ 1400.00 I've paid on time every month and owe $ 350.00. Three weeks ago I was hit and my car was totaled. Being the holidays, I'm just now dealing with my Insurance co. and trying to get a check for a new car. I'm afraid the Title Loan co. will try and play hardball. They want my Insurance info but I don't want them to have it. Would the police report and estimate be sufficient?

:roll: i have an accounts thru CBCD--------and would like info from you on their payment schedule ok. i do plan on sending more money but i do not know the details of the billing from your firm. i only receive letters from CBCD. OK I CAN SEND MORE I NEED A COPY OF ALL THE PAYMENTS YOPU HAVE RECEIVED, WHAT IS THE SECRECT-I PAY THE MONEY OK. SO OPEN UP AND SEND ME INFORMATION ON MY ACCOUNT .