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Who would I contact in the state of Texas to help me know the law in this matter?

I live in Ohio--

I have 3k debt on a credit card, ~15k on student loans, and am thinking about going back to school. I am currently unemployed and need a way to continue to pay my bills. Can I take out a student loan early to assist while I wait the 3 months for school to start? What are my options?

I used to work at Alexander Wright and Associates in Richardson, Texas Anyone wanting to know what happened to them or who they are feel free to email me personal information removed

So I have defaulted on PDL's with these 2 , which after researching your site, are illegal in Illinois. Essentially I overpaid the Paydaymax Loan by $262 and the other by $26. I called CPD and explained that I was instructed by the BBB and Illinois AG that these are illegal in IL, etc Anyway, the woman said my Paydaymax loan will not be refunded but can be marked PIF and management will need to look into the other account. I am now locked out of my accounts on both sites . . . whats next??

What are my best options in dealing with a 35k debt? I heard that hiring an attorney to settle the debt is the way to go since I stand a better chance of not getting ripped off. Appreciate any advice.

Heard of them? After lurking around here a while and gathering critical info, I decided that I would try to settle a few cards on my own. First thing I learned here was that to settle I needed to be at least 3mos behind on payments. But I just couldn't bring myself to not pay a cent. I really do want to pay, just do not have the income I used to. So I payed very minimal amts to a few different cards. This specific issue is with an FIA MasterCard (used to be a Citicard). They unexpectedly increased my min payments (apr obviously) and I had to pay $524 as a min back in November.

What are my best options in dealing with a 35k debt? I heard that hiring an attorney is the way to go since I stand a better chance of not getting ripped off. Appreciate any advice.

Okay, so I had a few CC I had to let go 3 years ago.I have always sent DV requests,always.Never ever in 3 years gotten any with any validation.Then I stoped hearing from CAs for awhile.Started hearing from them again start of this year 2008.So I of course sent a DV and low and behold what happens it goes to an attorney who "claims" they represent the CA ,yet are debt collectors stated so on their letter, but they do not fall under the fdcpa rules so I get sued and end up paying! So the next one rolls around same thing sent DV letter and what happens SAME THING!

I'm 30k in debt... 15k Private Student Loans, 5k Federal Student Loans, 6k Credit Card, 2k Medical Debt. I've been a student for the past 2 years, and I'm not going to be completing my degree at this point. My student loans will come due the 1st of the year. Due to health and financial troubles I'm having to leave school in san diego and move back to oregon. My only source of income right now is a social security check for $1100 due to my being disabled. Is bankruptcy a realistic option for my situation? what chapter should I be researching?