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I have noticed when "renewing" my payday loans that most of the stores have a sign that talks about the extended payment plan. Yet, after almost two years, none of them ever mention it to me. How do I go about setting up my loans on this plan? Is the maximum term 4 pay periods? If I have a loan for 500, the fee is 75 dollars. I am willing to pay an extra 50 each time for an installment plan if it will help me get out of this viscious cycle! Help!

I made some very poor financial decisions when I was younger and in college and as a result now have approximately $11,000 in total credit card debt between two cards through Citibank.

My husband co-signed a private Citibank student loan for a friend's daughter. The girl graduated and took a jb getting paid under the table (dental hygienist) and no only hasn't paid the loan but won't answer calls, moved, etc. Citibank turned the loan over to one collection company who called a few times, now we're getting calls from ACS ( no written notification from either). Citibank sent us an email that said that we had to repay the loan IF the student went bankrupt or died. Doesn't the collection agency have to prove that they tried to collect from the student before they sue us?

If you are living with someone, can they just come into your house and take stuff. I have a judgment against me that has been filed with civil court.

I was at the legal aid office this week, he looked at my situation to see if I was able to file for chapter 7, he said I was able and I was also "sort of" judgment proof. But then he said he would do a chapter 7 for me anyway. My situation is this, my main reason for wanting to file is a judgment against me for an old credit card debt, they have the judgment and will probably enforce very soon.

Hi im looking to move to australia from UK and i have a criminal record for emplyment theft (£100) and i was wondering if this wud effect me moving their, like if they would let me in the country?

OK, this morning I got a call from Capital One and I informed them that I have a settlement company working on my accounts. They all went to collections, now appears our back with Capital One in house. The lady told me that my accounts will be charged off soon and that worse on my credit record than Chapter 7 or 13. She stated even if I settle after it is charged off, it will remain on my credit report... Is this true?????

I have about 3500.00 debt in payday loans. Does this agency handle payday loans?

Everywhere i've gone, they say they cannot help me with storefront loans (consolidating). Is there really no one that can help?

Hello: I have a law firm ( i believe they work for Credigy) leaving messages saying that they want me to contact them before they contact my county for legal action. I don't leave the machine on any more (trying to stall). I know the statue of limitations is almost out on the charge off credit card. They have not sent me any letters. How soon do they actual pursue court action...and if they do, will it be possible for me to get them to take a dollar amount and agree to mark my credit paid in full/paid for the debt?