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I stuck between choosing A debt settlement program with Superior debt relief or Oak View Law Group.......or just filing Chapter 13. 84k debt...can only afford min payments...with little to no interest paid currently...All the cards will start to blow up with high rate and probably double my min payments........ What should I do with all these accounts?

How important is it and how do I go about correcting my current and previous address on my CR? The address listed are all correct, just not in the correct order. Also, the same with my employers. Do I just contact each CRA and inform them of the error? Do I have to have proof of this so that they can change it?

These are the three letters that I received so far via email. Please take note of the last one. Should I be scared? My response to her last letter is in blue. _____________________ [quote]Zena: I do not understand where all this nonsense you are writing us with is coming from. You must have our company confused with some of the other companies from which you have borrowed. You would have done us both a favor had you simply returned my call. Your account is current and due tomorrow - you have a balance due of $183.00.

I've gotten two emails from different debt settlement companies and niether has been very "to the point". I just don't see how a credit card company will wait months and months to finally get a settlement. I got dinged for being late to Chase and now I'm paying 28%...most likely the same with B of A. I've closed both accounts. I'm sooo skeptical that a debt settlement company will end up really using me and then I'll be worse off than I am. I'm thinking a BK will be a better choice. After my divorce my credit got ruined anyway.

I am being sued by Bank of America over an overdraft account and credit card. I owe them about 6000USD including collection costs and attorney's fees. They asked me to go to an OSC and CMR hearing. I have no idea what that is, plus I can't get time off to go. What can I do?

Hi, I have several payday loans, and I am following advice I found here and I am about to close my bank account, send letters etc. However, I have also ThinkCash and PayDayYes, which as I read on this forum, are legal lenders, so I am planning on making an arrangement with them and keep paying what I owe. However, does anyone know if they will share my new account information with other lenders? I don't want the illegal lenders have my new account info as I know they will try to withdraw money, even if they are not authorized to do so. Any advise, please?

Can a stay issued by arbitration be ignored by a junk debt purchaser?

I keep getting calls from 213 416 2887. It's a recording message with my name in the recording. They are requesting my bank information but no way to contact anybody back.

how is a personal check written processed

I have the following loans out. my cash now (MCN) Deposited $500 on 6/14/08 Payments: Total: $739.97 United Cash Loans Deposited $350 on 7/16/08 Payments: Total: $485 US Fast Cash Deposited $400 on 7/18/08 Payments: $475 500 Fast Cash Deposited $450 on 7/22/08 Payments: Total: $510 Webpayday.com Deposited $525 on 8/05/08 Payments: Balance: $56.75 Nhcash.com Balance: $200 SGQ Ltd. Balance: $300 I have sent my letters out regarding C &D and regarding ACH revocations.