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I don't know where to start and need advice...

17 years 5 months ago
Hello All, Until the 20th of November, I was employed and could easily pay all of my debts that I racked up due to immaturity, family illness and death, unemployment, and inflations. Although I am still paying my bills on time, I would like to end this cycle of debt once and for all. Now that I am in my first month of unemployment, I am getting scared of all these bills. I don't know where to start as I have decent credit of 720. I am interested in a dmp but it turns out most programs don't deal with AMEX. Here are the three accounts I have. Please note they are all current: 1.

 

One-time origination fee!?

17 years 5 months ago
Hello, I was looking into my AES student loan and I inquired why the amount was a little high. This was the response: Your lender charged a one-time origination fee of $1,914.87 at the disbursement of your loan. You are not required to make monthly installments. Though you are not required to make installment payments, interest will still continue to accrue. Any unpaid interest will be capitalized onto your account. We in order to minimize the amount of interest capitalization we will send out an interest notice to your.

 

Dealing With Creditors

17 years 5 months ago
Prior to dealing with a credit counseling firm please make sure that you first try and contact the creditor for relief. Be prepared to remit a personal financial statement showing that you are headed toward insolvency. You can download a template from microsoft online. Be as liberal as possible.

 

Has anyone dealt with coastal credit solutions?

17 years 5 months ago
Coastal Credit Solutions has a A- rating in the BBB and seems legit. Please look it up as you cannot post links here. But my main questions is has anyone used them? So far they have the best BBB report but I am nervous about doing debt relief but I am about to start not being able to pay my bills. Any information would be greatly appreciated. Thanks so much. Soar

 

Landlord

17 years 5 months ago
My mobile home is situated in a mobile home park and I pay rent on the lot. Will my landlord be considered a creditor when filing for bankruptcy and therefore notified by the court?

 

Collection Agency

17 years 5 months ago
Anyone ever heard of or had dealings with Eastern Revenue? They've called me 5 times since September but have never left a message.

 

Dave Ramsey?

17 years 5 months ago
I have heard of this program, but I would like to know if it really works? Any comments ou there?

 

Is it possible a judgment on my credit report is wrong?

17 years 5 months ago
I am struggling to confirm that a judgment on my public records page of my credit report is valid. I don't remember the debt. I am unaware of having received a court summons or a bill before it was sent to the Palisades Collection agency. Palisades was unable to locate the account and in response to my DV letter they referred me to their lawyers. I sent a DV letter request to the lawyers and am awaiting a response. I went to the county clerk database and found judgments against my two brothers and father, but nothing in my name.

 

aca/norman g kalina collecting for pdl

17 years 5 months ago
anyone here have dealt with aca recovering collecting for payday loan they claim to be norman g kalina a law firm but from searching here aca is not norman g kalina a law firm anyone here dealt with them

 

CPD / My Cash Now response - How do I respond???

17 years 5 months ago
I live in PA. I owe them $120 on this loan and will be shutting down my account tomorrow, I've paid $380 on a $500 loan. How do I respond?