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What are the chances a creditor (Amex, Chase, Citi) will refuse a decent settlement offer (50%) and sue me anyway? Has this happened to anyone? I'm wondering if they only sue you if you can't afford to settle? Your help would be greatly appreciated!!

I have two small negative marks on my history. one for 132 and the other for 158 dollars. One is with Zenith Acquisition an the other with NCO FIN/27. I sent each debt validation letters two weeks ago but have not heard from them yet. Would anyone know how long it takes to hear from them? Does anyone have Pay for Delete with these two? Thanks nice people:)

My vicious cycle with payday loans started with the need to pay on going attorney's fees. My account eventually became overdrawn. The bank was very helpful in not only closing my account but putting a block on it. They also helped me open a new account. I have faxed/emailed letters to my payday lenders revoking ACH transactions and wage assignment. I asked for a response from the lenders within 5 days. Also included in the letter stated for them to communicate only with me by email or mail.

They have alreay received notice of my filing, I contacted them because they were scheduled to take a monthly payment out of my account, like they have been doing, so I called them and told them not to since I have filed bankruptcy. I have been given the run around twice already, telling me to call back and speak to someone else, or that person is not here. What can I do? I do not have an attorney. I realize it was a mistake to give them my banking info 6 months ago, but I want to be sure they won't be withdrawing any money.

Can you file BK on only certain credit cards or do ALL of your credit cards have to go into bankruptcy? I have several "little" cards $300 to $500 balances that i want to keep. Can i keep them or do they go too? thanks!

Does anyone have any experience with Nevis Payday Loan...they used to be USA Payday Loan.

Long story short: Split up with spouse over a year ago, were making good money together, had 7,000 left from a 403B, have been working as a temp due to falling economy and had to use credit cards (that were paid off at the time due to a debt consolidation loan) to set myself up in an apartment, living expenses, etc. Have fiancee (found out he has cancer), he lost his med insurance have been helping with his medication costs (expensive!!).

how do i go about taking my bankruptcy of my credit. it has been 15 years

A friend of mine had a dell account and paid roughly $1,920 on a $1,300 computer. After 4 years of paying, Dell told him he still owed $1,800. He pretty much had to stop paying because he became disabled. Now, 14 months later, this company is calling and threatening him. When he answered the phone today, they said they where Dell Financial Services. I looked up the phone number for him and came up with Oxford Management. The number they call from is 786-279-0990. He has not been contacted in writing. When they called they didn't say who they where.

I was approved for loan but money has yet to show up. For 5 days when you call you are put on hold and then disconnects. Im convinced they are not legit but Im confused to why they hav not sent money. I gather they are out of Nevada so I am going to try AT. Can anyone tell me if they are legal in Indiana (thats where I live)