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Hey all. I have posted about his before and was hoping someone could give me some advice. Capital One has sued me and a Louisville KY attorney is handling the case. I have requested that they validate the debt and the attorney office sent me copies of credit card statements, but nothing with my signature on it. They are wanting to settle without prejudice for $962.00 if I send this entire amount in by November 20 or make monthly payments of $100.00. I am not sure what to do at this point. I am flat broke and have no extra money for anything.

i took out a loan at one click cash about 3 years ago, have contacted them they were supposed to take out 4 payments of 120 starting in july they still havent taken anything i have emailed them and called i never get a response what do i do now?

Since we don't have any secured debts, I was thinking of filing myself to save the 4000+ the attry wants to charge. Has anyone done this and if yes, can you share pros/cons with me? Thanks Reny

Do I have to be behind on my debts before I can get assistance of some kind?

After you take the course for the credit couseling certificate, either online or by phone, how long do you have to wait to get your certificate so you can file? Would they mail it to me?

Over the weekend I received a reply from the BBB of NE Florida in regards to my complaint I filed against ARM of Florida for their handling of my pdl with CASH ADVANCE NETWORK. 1. They lied, they said I was sent a letter 2. They said they do not use abusive tactics 3. They said they did not know CAN was not licensed to lend in AZ 4. They themselves are not licensed in AZ 5.

do you know anything about square one debt settlement?

I have over $30,000 in credit card debt. I am a single parent trying to get by. The debt is over 5 credit cards. $9800 $8400 $5800 $3800 $3700 What do you recommend I do to reduce all my debt so I can afford a payment. Thank you.

I called HSBC yesterday as I have a HSBC Platinum mastercard and have a $20,000 balance which is held in my name. The int rate had become 31% as I was late on a couple of payments. They took down my information for the hardship program and said that they would reduce the int rate to 0% and I could pay over 60 months $350/month. They indicated that my credit report would show that it was paid in full but that they had closed the acct. I also spoke to debt settlement area and they were willing to write off $2,000 from my amount owed and I could pay balance in six equal installments.

I am a 60 year old lady, very active and have owned a beauty shop, tanning beds for 42 years. I have always made enough for spending money of my own and help pay some things for our home. The last 5 years my husband got sick and I had to cut back to help take care of him. I had things to happen in my shop that caused me to be out of money that I could not afford ,because of me having to cut back. I ended up using credit cards and got in debt of around 10 to 12 thousand dollars.