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Sorry, I've posted this is other threads, but have became really really confused. I, as a teenager, (18), was issued a credit card by Citibank. I am more than willing to admit I abused that credit. As an 18 year old living away from home, in college, and no job, of course I am going to use this card very often.

I want to combine all of my secured debt and unsecured debt into ONE loan and make ONE payment. Where in ND can I find a loan center in ND to help me with this problem?

I haven't heard a peep from Payday-Loan-Yes, except their e-mail generic responses to my attempt to pay off what I owe on the principle balance. I keep telling them: No physical address means no payment. They keep telling me, "We know the laws" Oh, brother...

Can creditors who already have your social security number and have been included in a bankruptcy place your information on a blog?

Hello! My name is Molly.. I have many questions but the one I want to ask now is this: Is it legal for the same payday loan place (in this case cashstar group) to hit your bank account FIVE times in one day? common sense would say that if the first $10 charge they tried to get through didn't go then the other 4 attempts, all with different amounts won't go either. My bank won't refund any of the fees either because I haven't had my account more than a year.. And I can't find any of my info for this company...I have no way to get in touch with them..

I'm going to go for the DYI settlement. Does anyone know if staggering the default the process will work so I can deal with and pay offers in a staggered manner instead of having all the cards hit their 120-180 dys at the same time?

Hello, I am currently about 90 days late on must of my ccs. I have not been answering the phone when the collectors call becuase I wanted to settlenadn they always want a payment. Should I be expecting a settlement letter from the cc. I have enought to settle with a few. I want to know what's the best way to negoatate the settlement. The most I gotten so far is for 1 late fee to be removed, that balance was small under $100. How do I settle with these guys.

I went to the last two store fronts I have to make EPP arrangements and they both said they dont do that, unfortuately neither one is CFSA. I was really bummed as I have two EPP's now with two other stores. Its hard to pay 4 EPP's at one time but I would rather sacrafice and get it over with. The only thing I was offered from one was to default and make 5 payments of $117.00 and the other just offered a buy down each time I extend or re-loan.

my fiance and i are looking to move in june and the building doesnt allow a co-signer for bad credit situations. We both have bad credit - is it possible to bring up our scores by may??? and if so how? :oops:

I didn't know where to post this, so sorry if it's in the wrong section. I'm going to file for bankruptcy, they needed last year's tax return, I didn't file it bacause I made less than $400. Now I filed it because the attorney said they needed it for formality. My problem is this: Looking through my records, I realize I under-reported my earning for last year. Will this cause problems for me when I file? Willl they realize I actually made more than what was reported? I don't want to get in trouble or have my bankruptcy dismissed.