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In a Chapter 13, for example, if you have 20 debts that total $40,000, and you list them all in your BK, if only 12 creditors reply and those amounts total $10,000, is your monthly repayment plan based on the $10,000 of debt? (I know attorney & trustee fees are built in.) I guess what I'm asking is if the attorney did the means test and gathered up all the bills and calculated an x amount to be repaid, I am assuming that would be if all the creditors responded? Also, is it the means test that decides whether you enter into a 36 or 60 month plan?

Hi All I have been receiving many harassing calls from collection agencies. I now have the income to get out of debt in 6 mths. or so and will start making payments now. I am making a list of all creditors, amts, rates, etc. But, there is probably a "best practices" method of paying off my debt. I know to pay the most expensive ones first, but is there any other techniques that I should us to my advantage. Can someone please help. Thanks Tim

I have been having money problems with my bank account. I have two accounts at my bank and one of them had been overdrawn for a while. Well this weekend, I wrote a $500.00 check knowing that the money was going to be there. My bank decided at this point to throw out my check (returned it to the person). I went to make deposit on Tuesday hoping to cover the check before it went back to the bank. On Thursday, I discovered that the money I had placed in the bank was frozen.

cant seem to find the address for loanpoint usa, does anyone have it. I want to file this company thank you again

I have read much here about how debt consolidation can help people get out of debt. In turn, I have also read that some ended up filing for BK. I, too, am weighing all my options, but am curious as to why you ended up filing for BK. (Obviously a cash issue! ;) ) I would prefer not to go that way, but trying to keep the lid on the pot, somedays is just too much. I was wondering if you could share what it was that made you make that decision. Was it a pending lawsuit, overwhelmed by collection calls, etc.? What was the last straw. Thank you for sharing your story.

I took a pdl out for $200 and I had to close my account because of all the fees & debits they tried to post on my account. Now, months later, I have Lawall & Assc. calling me threatening internet check fraud and I can go to jail if I dont send them $383, $200 = all the fees. Very scary. I live in Michigan and the firm is in Texas? Any advice?

Payday is Tuesday...I have contacted the AG re: these three illegal loans and they told me to fill out and MAIL the complaint form from online and they will get back to me. He said it will take a while. Banking and Finance dept said they can't help me. The money comes out again on Tuesday...do I let it, reloan and then let the process work or should I freak out and close my accounts and start a firestorm with the PDL's before I know what I am going to be able to do??? HELP!!!!

what is the downside of debt consolidation?

thought someone would find this info useful ... found it on another forum More info: http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=8713

I cant find this information I am in michigan, does anyone know if Astro lending is legal and if Loan point usa(centrunion) Legal. Thank you, if they are not, i want to get these letters out ASAP to them, thank you