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I am in the process of filing Ch 13. I will be confirmed on Jan.4. The problem that I'm having is that I cannot afford the Ch 13 payments. I pay $1200 a month for this and it's supposed to be for 5 years. I have told my lawyer and she says that she thinks we can make it a ch 7 but that I should keep it a 13 until I have enough that the trustee can pay the 2 months I'm behind on my house. That way when it converts to a 7 the mortgage will be caught up and I won't have to worry about the mortgage company filing for forclosure.

I was reading up about them on Bud Hibbs and a few other sites. They are listed on my credit report and I have never been contacted by them. They say on my credit report, "Unable to locate consumer". I disputed the entry. With them going bankrupt, do you think it will be removed from my credit report? I also read that they probably don't even own this debt on bud hibbs, how true is that?

OK I sent them a debt validation letter about 4 months ago. It was right after they first contacted me. I then disputed the entry on my credit report 2 times and it came back verified but I never got any validation. I figured I would give them one more shot so I disputed the entry 2 days ago and I looked today and they are off my credit report.... they just saved themselves some money cause I was going to sue them. So what does this mean now that it is off and I haven't heard a response from them? Did they sell it to another company? Did they throw it away and give up?

I had a call on my answering machine for Americas Recovery Solutions.I looked these people up on this web site but found no one by this name.The phone number given is 877-267-3265. Of course they never say who they are representing or why they have called.Any help would be appreciated.

any1 know the bankruptcy laws here in las vegas, nevada?? and would u guys happen 2know what is the lowest charge for an attorney and court fees?? some attorneys are asking for 1500 upfront. any thing cheaper than that????? tnx in advance;)

What legal action my an online lender take? I live in NC, and I'm on the brink of closing my account to prevent future drafts.

today some ca called me on a citifianancial account i had .the balance was 1623.00.i called fdr to tell them,and it looks like like thay are going 2 settle for 688.00.does that seem reasonable?little by little i'm clearing my debt between me and my wife.be strong and befor u know it you'll be finished....

I got a call from a person named investigator Humphries, and that if I didn't call him back immediately to help in his decision, he was going to send a warrant out to the state of PA. He didn't say what company he's calling from. He called from this number 404-665-3167. Anyone else get a call from this person?

So I got a call today from a man that says his name is Mike Anderson (with heavy accent) from federal banking association. He said that he was calling on behalf of Quick loans who owns over 300 PD companies. He wanted my lawyers number so he could send them the charges being filed against me. I tried to gather as much information as I could throuogh his thick accent.

Hello everybody, I am glad i found this place!! I have a question about this debt that is in my mother's name. My brother got his cellphone disconnected by the cellphone company and it was in my mother's name. She has been getting calls from a company called BCR. They refuse to leave a mailing address for me to send to them and hang up on me whenever I ask them for it. I was thinking about sending a letter asking for verification but I think that it has been past 30 days since they first contacted us.