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Is the SOL date calculated by adding the number of state's SOL years, to the date of the account's last activity? (last payment-June 2003, plus 6 yrs sol, is June 2009 end of SOL) Is the debt removed from the credit reports 7 years after the last account activity? (last payment june 2003, so removal is June 2010)

I have two old amex credit cards. I filed BK on them in 2003. Th question is will that help my credit if I make monthly payments on them? I am wanting to get another AMEX card in a few years. What would you recommend? Make payments or settle the accounts for 75% of the balance owed? I am only able to pay $40 per month on each card. I owe $6,200 on one and $2,600 on the other. Would they be willing to open another account if I settle them for 75% of the balance? Thank for your input.

All payday loan stories are the same. Do what you can and if you can't pay, just make sure you close the bank account first. Then work out a payment arrangement with the PayDay loan place. That does not mean doing a new loan. That just means paying your current debt and that only. You can also see if you can settle for a lesser amount. Don't be intimidated by these hacks. Someone has to do their job. Make sure you open up a bank account somewhere else and remember to transfer you direct deposit before it's cutoff. Treat if like a collection account.

HI everyone, what a great site this is! OK here's my story! My husband lost his job a while back and his unemployment ran out so he had to take a extreemly low paying job for the time being. He went to school while he was unemployed so we are actively looking for a good paying job, but this ecomony isn't exactly booming! So we're only bringing in about $300 a week and have $20,000+ in credit card debt. Well since last month we haven't been able to make any credit card payments.

I could use some advice. I have out 4 payday loans. Each one was 300.00 a piece. I have paid on 2 of them for a long time and im not getting any where. They have cost me now 800.00 dollars just in my bank account alone that im trying to pay off to keep a bank account which is closed now till I pay it off. These were internet loans out of state. i live in ohio. Im a wreck over this they keep calling and threating me to where im afraid they will put me in jail. i want to pay these people off but cant right now till I pay the bank off. each one wants 600.00 dollars and I feel there robbing me .

HI everyone, what a great site this is! OK here's my story! My husband lost his job a while back and his unemployment ran out so he had to take a extreemly low paying job for the time being. He went to school while he was unemployed so we are actively looking for a good paying job, but this ecomony isn't exactly booming! So we're only bringing in about $300 a week and have $20,000+ in credit card debt. Well since last month we haven't been able to make any credit card payments.

just contacted by creditors interchange they say they cap 1 authorized them to collect a debt, if not paid in full they will forward to lawyers, dont have the 8 thousand they want what can I do

Hello All, My spouse has run up a huge amount of unsecured debt, and we're seriously considering a debt settlement agency, but I'm apprehensive from a couple of perspectives What is my legal responsibility regarding debt that she has established on her own without my signature? In the event that debt settlement does not work, is it possible to file chapter 13 individually if you are married? I'm basically trying to protect at least one of us, and I'm in good standing with all of my debts including the mortgage, etc. thoughts/experience/expertise welcome! thanks in advance.

I have stop payment on on store front lender (check smart) in the amount of 575. So what happens next!! We I go to jail if I dont pay this right away. I am a single mom of three and child support has stopped and I dont know what to do.

I just got this in an e-mail from my state!!!! The FTC is taking action against Cashtoday and some others in the UK!!!!! WooooHooooo!!!!! Keep the complaints coming!!!! Here is a link to the article on the FTC website http://www.ftc.gov/opa/2008/11/cashtoday.shtm