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Hi. I have a quesiton that I don't see discussed much. I have an 11K credit card account that has gone to default judgement. They will almost certainly go for wage garnishment, then my car, then my house. Question: The home loan and car loan are both in my wife's name. Are these assets therefore protected from collection since my name appears nowhere on the accounts? I would appreciate knowing this as I continue to negotiate with the creditor. Thank You, Scott.

Has anyone ever received someone else's settlement letter with personal info

help me. anyone with advice. im a 23 year old fresh grad. im deep in student loan debt, with good credit, and no credit card debt. problem is, im overwhelmed by my student loans. all together.. private-federal loans. salie mae. 124,000 with interest. 625.00 a month federal loans.citi. 283.00 a month perkins. 40 a month. private key loan. 189.00 a month. its not that im not willing to pay these back, or even unwilling to find a job outside my field. the economy sucks, im a new grad, my deferment only lasts so long and the interest is piling. on my private loans i have a 12% interest-12%!

Quite frankly I am totally shocked to find myself in this position. I have about 50K in credit card debt. Until a few years ago I had a credit score of over 800, I am scared to even see where it is at now. After a divorce and having to start over at 50 I have had a struggle. I am self employed and love what I do. My BF and I have a flooring installation and sales business. Due to his credit, I put all of this in my name and am a sole prop. The CC are personal cards, not business. Now with the economy although we are busy, we could be busier.

I was in an auto accident that was my fault 3 years ago. I went to court, had to pay restitution, court fees, serve probation etc. I was not insured at the time. Now their insurance company has summoned me for over $12,000 in medical bills they paid for the plaintiff. I want to deny owing the $, for it should have been court ordered the first time around (along with everything else). How should I respond, and can I just write a simple letter? I cannot find forms for WI. Please help!

I have closed by bank account and got a new one and now my question is that since I have 2 store front pdl one is check into cash check n go there in mich, I knw i have to pay the money back and i will and I have looked into pdl assistance. and that looks to be a good option for me at this time.

As a poor artist in 2002 I was advised by a bankruptcy lawyer to not file bankruptcy and just stop paying because there was nothing to be gained from suing me - my credit, as expected went into the toilet. I want to start putting it back together, but collection agencies are reporting Account Open dates in 2007, 2008, even 2009. Does this mean the items won't come off my credit in 2009 (7 years)? And in the meantime, what's the best way to have those phoney dates corrected? Thanks.

I heard that BOFA is no longer settling accounts as of this year? I owe them more than $50k? Feedback please. Thanks.

Help has anyone dealt with them? I took out a loan with them in the amount of 300 and they have taken out over 500 now and I took a sample letter from this site and turned it into my own stating that I revoke and and ALL ach authorizations with their company,ect and I have emailed it numerous times with no response and then they debit my account two more times yesterday.

I went to the court house to try and file my answer to a summons and the clerk told me that I can't file my answer until the CA attorney (file something?) does something with the court first to get a case number for the summons. Anyone know what may be going on here? How long do they have after a summons is issued, to get a case number? It's already been about 2 weeks since I recieved this summons.