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i am in a debt settlement program now for about 3 months. They are carging me a fee and taking money out of my account each month. They say it will take 3 years to settle. I got a call form a creditor today that says if i dont pay min due they will sue me. what do i do?

I cannot believe the money I borrowed and was so certain I was going to pay back has mushroomed into a huge mess. I am working to get this dealt with but I wish I have never did any of this.

How much does this process cost?

I recently did a balance transfer from one credit card to another with a lower rate. I plan on filing ch 7 very soon. Is there a special rule about cash advances or balance transfers? Do I have to wait 90 days to file ch7? Can the judge exclude any cc charges from your ch7? I plan on using my personal cc to buy some advertising for my business (90 days prior to filing bk). I'm worried that he'll say I knew I was going to file bk and make me repay charges like that. I'm not trying to be greedy, but I know I'm about to kill my credit for a looooong time.

I received an answer from the better business bureau. One clink Cash is saying although all of the condition and terms were me in an effort to assist the customer, we will write off the remaining balance. The account is closed now with a zero balance. We feel we do not warrant a refund on this account. They are waiting for my answer should I accept it or should I disagree for a write off and tell them to say that my account is paid in full because i did over pay them?

Is it wise to file bk for just 13,000 in debts. My husband just has a default judgment rendered against him. The ca that won the judgment will not make reasonable payment arrangements. I feel our only recourse will be bk

There always seems to be tons of people there, but I've had problems with it, when I type into it, sometimes it shows up, and sometimes it doesn't. Or, it says I am not in the chat room at all. :?

Hello Community, I was just searching the net for help on these 2 payday loans I have and am I glad to have found this site :D I am sick and tired of this ruin in my financial life. I feel into this mess by trying to fix my credit. I paid off an $1100 credit card and a $500 credit card, both of which were in collections from non-payment. By paying those off, I feel behind in most of my other bills...and it seems like my credit score didnt even budge!! I had to pay $600 for my utility bill. My rent has gone up and I'm going to be late this month.

Can anyone explain to me, in simple layman's terms, what is the difference between a loan modification (with your existing mortgage company) and a refinance loan? Is a Loan modification simply a refinance of your loan, but with the same mortgage company and less or no fees? Or am I way wrong here? I don't want to get into something that I am under the wrong impression about? Thank you!

Hello, I need help!! Like many others, I've gotten caught up in this mess and it's hard to get out! I have town payday loans that are robbing me blind: Loan Shop: 7/25 Original Loan=$400 to date $585 8/5=120 8/20=170 9/2=155 9/16=150 At least this one is coming down however, the next one is the reall monster: American Consumer Credit, LLC dba The Cashspot 7/25 Original Loan = $500 to date $500 8/5=125 8/20=125 9/2=125 9/16=125 This one is reloaning every two weeks and nothing goes to principal. I feel like a complete idiot for getting caught up.