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So I have about $15,000 of cc debt and have $6000 to throw at it right now. All cards/lines of credit are maxed out. How do I best improve my credit score? Pay off as many cards as I can with it or pay down as many as I can to get the balances below 50% of my limits? Next up, I have two accounts with collections. Both for small amounts. One is a stupid Sprint bill, another is a medical bill. Each are both only a couple hundred. I've read that having a paid collection as as bad as an unpaid collection. What should I do with it? Can you ask them to remove it once it's paid? Thanks!

I am in Texas. I have 3 pdl's that I have defaulted on because I cannot pay them. I have another one that I am current on. The lenders are Cashnet usa - I owe them 405.00, paydayone - I owe them 862.00, and checkngo - I owe them about 250.00. I am worried that they will be able to press charges on me or sue me . I do not know any of the laws in texas and I am hoping someone can help me.

I GET TO PICK UP MY BABY BOY AT THE AIRPORT TODAY!!! I have less than 2 hours before his flight arrives!!!! I am so excited. I just have to share and know that while he is home, I will be taking pictures, so be prepared! I cannot wait to get to the airport. I am leaving in about 30 minutes to head that way. My daughter is here at work with me right now and she is beside herself waiting for the time to go by. (doing the happy dance, well trying to while on crutches and wearing a brace. LOL)

I have a mortgage that's currently in my Chapter 7 and I don't want to reaffirm. I've already found a place to rent. Do I just let the house foreclose or call my lender after discharge because they will not speak with me now.

We were your typical California couple. We owned a modest heavy equipment rental company that my husband had worked to build from his teens. The first financial upset was my mother's cancer. She had to have her mortgage paid, but couldn't work. There wasn't a question. I made sure it was paid. She didn't survive. My sisters were unsettled, so I made a promise to look after my sisters. I wish I had never promised. In 1996, my husband was diagnosed with late stage IV oralpharangeal cancer (throat/head/mouth) and there isn't a stage V. Our HMO's plan was to let him die.

BOA sent me a settlement letter listing payments to be made etc, bur it isn't signed! Is this still valid?

A rep, who did not give her name- only extension #, called from AIS at my work this morning (10/22/08) around 9:35am. She told me that she is collecting for Arrowhead Investment, and I owe $320. She told me that I had to schedule a pmt by debit card or check-by-phone to pay by 10/30/08, or after that legal mediation would start. She told me that then they may garnish my wages.

I just got a call from them saying my payment on the 17th was returned and that they understand I want to pay them off. I said yes that is correct, I just need your mailing address and she said ok and then....................................nothing!!! she hung up. The good news is at the same time I settled with ameriloan through the BBB. Of course I am not getting that $585 refund I requested but I am PIF. The bad news is they dont want me as a customer ever again. hahaha I am still looking to settle with: Cash Advance Network Paychecktoday.com SGQ Ltd.

i took a loan from rapid cash, via the internet, in may of 2008. to date i have paid them $890 on a $200 loan. including the finance charge of $90, i have overpaid them about $600. a week ago i put an ach hold on my checking account blocking this company from withdrawing any more cash from my account. i told them to call me this coming tuesday and i would provide them with a pre-paid credit card number from which to collect the balance that they claim i owe them, which is $290.

Has anyone had experience with this law firm? They represent Discover and I have been sereved. Any advice? I'm calling them later today. I know I have to respond formally too, with the proper papers for the court. Thank you in advance for any help that you might give. L J