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Hi Everyone, I'm very happy to announce Paulmergel to be our new Moderator of the forums. He has been selected as our new Moderator by the existing moderators of our forums. Lets congratulate our New Mod... :D Jason

Hi Everyone, I'm very happy to announce NASCAR_Devil to be our new Moderator of the forums. He has been selected as our new Moderator by the existing moderators of our forums. Lets congratulate our New Mod... :D Jason

Hello, I am now about 30 days late on my cards and gatting calls daily. What am I supposed to say to them. I did oay one just to get them off the phone. Do I just say no I can't? I sent letters asking to reduce the debt to 50%, stop the interest, and except monthly payments. Should I ask them I they received my letter? I'm not even sure if I did a good budget, what if I can't make those new monthly payments? Help Please.

HI! I have a few collections from 2003-2005 that I have paid off. A few medical bills that my insurance didn't pay, one from a library book that was never turned in (I moved to hawaii, like I was supposed to fly 3000 to turn the book in... the library didn't care.), and a gym membership I canceled and was still charged for. I don't much care about the money aspect so much, I just want them off my report. Is it worth contacting the agencies and requesting them to delete the entries. Is this possible?

I have just calculated that my total unsecured debt is $385,000 which includes $250,000 in student loans. I've learned the Chapter 13 debt limit is $336,500 for unsecured debt. Now what do I do??! I've asked 3 different reputable bankruptcy attorneys and they seem to still be scratching their head, flipping through bankruptcy manuals, and reviewing case precedents trying to find an answers for me. I have yet to hear back from any of them. I have 2 credit card judgments pending and have to appear in court on Oct 28th. I live in Missouri.

Is Checkworks still safe to order checks from? I have ordered from them in the past, but I haven't lately.

They debted my account 60.00 when they should have taken 260.00 at that time then two weeks later they took 60.00 more so at that time I put a stop on my account from them taking anymore. this coming friday I will be closing that account. What should I expect out of them (fast cash). I do still owe them money and I do want to pay them back but I don't want them to have more then they should so at that time I put a stop on my account from them taking anymore. this coming friday I will be closing that account. What should I expect out of them (fast cash).

About a year ago, I received a collection letter from a local attorney's office (I have other posts talking about this). It was for an old debt through a now defunct company I had. I had no record of the account and it does not appear on my credit report. I responded to the attorney requesting validation. After about 8 months, they sent me statements just showing the balance...so in other words, no statements showing transactions, interest, fees, etc. I thought that was odd, so I responded to the attorney asking for a light accounting of the amount due. No response.

Hello! First of all, THANK YOU to everybody listing advice and information here...I was so happy to find this site! Like alot of you, I am stuck in the payday loan trap and have been for years. I live in Ohio. Here are the lenders I curently owe (all online companies): (1) LoanPointUsa.com (Geneva Roth) Borrowed $400 on 7/14/08.

Just wanted to let you all know that there are charges popping up on people's accounts all over the US for $7.50 from a company called Rebatesoft. All you have to do is dispute it with your bank and cancel your ATM/DEBIT card #. I Google this and many hits came up with the same charge as mine and same company listed. I didn't know where to post this and so I started here, if you need to move it that's fine. I just wanted the word to be out