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I am a 30 year old who's credit score decreased from a 705 to a 519 in the last 2 years as a result of poor money mgmt, too much credit and a personal hardship. As a result, I have racked up around $25,500 in debt (not including student loans and car loan) My net take home is around $2200/month with debts equalling about $1750 leaving me with about $450 to live on (transportation, household expenses, utilities & groceries). I have tried talking to my creditors about my financial situation and most have been unreceptive with assistance.

My husband was out of work for about 2 years and I amassed several payday advance (6)and other small loans (3) that I can no longer seem to manage without some type of consolidated monthly payment. I've tried to get a loan to pay them off but was denied by all. How can I get help without bankruptcy?

Hello, does anyone know about how long it takes for a defaulted payday loan to appear on a credit report? Thanks!!

I currently have 31K in credit card debit and have made all payments on-time. However, due to the current economic conditions, I no longer have the resources to continue these payments. What are the pros and cons of using a creit consolidation program vs. trying to negotiate myself? Any feedback regarding creditsolutions.com? Any way of accomplishing this without damaging credit? Has anyone had any experiance with reducing their mortgage when in an upside down situation?

I went to court today--I'm being sued by Discover Card--and things didn't go so well. The judge called me up and I didn't know what to say, so I mumbled something about wanting to settle. The judge said, "You're a lawyer?" I said, "No." Then he said: "Well you've had a law firm represent you on this?" I said, "No. I'm representing mysel Pro Se." The judge acted like he didn't believe me and told me to go ahead and try to settle then.

hello all. new here and looking for help. got a call last week from Ron at Northstar who told me i owe Household Bank $916. however, in 2005 i received a settlement offer for this account and paid it. now over 3 years later these people are calling me daily but have not sent me anything in writing. more details available if needed, but i didn't want to bore anyone. any help or advice or any info at all is appreciated. thank you.

I want to settle my own debt but I have been told that I have to have my cards for 1 year. Is that true? And how can I find out how long I have had the cards for?

Where can I find information about a such law over these credits

I would like to know if pay day loans can be consolidated. I have 5. They are Check and Go for $1000, PayDay1 for $500, Speedy Cash for $500, First Cash for $300, and Solomon Financial for $250. All transactions were over the internet, however some may also have store fronts. Please advise me. Thank you, S. Moore

Does anyone have a mailing address for this company? I tried online searches based on their phone number (866-828-6351) and don't even know what state they are located in. I'm in NJ and would like to file a complaint against them. Thanks!