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I'm so glad I found this website. For the last 2-3 months I've been educating myself about all the options I have out there and decided to go with a debt settlement company. But when I I found this forum/web I built the confidence on settling my debt myself. I'm currently up to date with my unsecured debts but wont be able to pay any ofmy credit cards this month. I wanted to ask you all when is the best time to call and try to settle my debt with the credit card companies?

I have an quesiton; I have an friend that went to prison for an year and a half. He been out for almost an year and having problems finding an job in the metro detroit area. does anyone have any suggestions as to where he can go to get an job? he is an hard worker just need someone to give him an chance.

Hello everyone. I was just wondering where i could get a sample of a C&D letter?

He hasn't been answering posts for a while. What does the "HOF" stand for under some of the names here?

I read on another post that the the law firm of Hagens Berman Sobol Shapiro LLP was suing Credit Solutions and that if you were a victim you could sign up with them. Has anyone done this. Is it too late?? I am very anger at this company and would love to give it back to them. They stole thousands of dollars from me. But, I don't want to just sign up and not know anything about it. Any comments would be appreciated.

I've been searching the internet for 8 hours now (5 of which were just through these forums) for an answer that is specific to my sittuation. I have two issues that I need some assistance and information on. Firstly, my loan info: Company - Loan taken out through 'Money Mart'. It is a Store Front Operation Loan Amount - $300 ($255 loaned with $45 Interest) Paid - Nothing... yet. YES I do have intention to repay. This is probably the millionth time I've taken a loan out through this company cause I am stuck in 'the cycle'.

I got a notice today and I am being sued by Capitol One. Never been sued before and I don't even know how to repsond to their complaint. I need help, I have many credit cards I owe and its only a matter of time before they all sue me. Does anyone know what happens from here? do I sign up with a debt settlement company, can they help me? Will the courts give a judgement to Capitol one and all the others who follow suit as well?

I took at loan out at cashnetusa which has a apr of 460.16% for a 14 day loan of and Arizona (where I live) legal rate under this amount, I think 459%. I am new to this but isn't that illegal, that cashnetusa is charging more interest that my state allows. I have heard from friends, who have spoken to lawyers, that you shouldn't even pay off the loan because the interest is illegal. Is this correct?

got a call from these people today and I found this on their website "In retaining Consumer Recovery Network (CRN) to handle your debt(s), you will first authorize CRN to negotiate with your creditors. CRN will then obtain written settlement offers and forward them to you. You choose to accept or reject submitted offers. CRN's fees for full service settlements are earned on a contingency basis. Meaning; If you do not accept the settlement offer(s), you will have paid nothing at anytime and are under no obligation to accept any future offers.

OK guys / ladies, This may be just a rambled mess, but it's just because I am confused and aggrevated. Here goes: So I checked my credit scores on creditexpert.com and my scores were: Experian: 577 Equifax: 565 Transunion: 545 Today I went directly to Experian to get my vantage score and was 505?? My fico score supposedly is 517. These are all bad, I know, but I am trying to clean up my credit by sending disputes out. My fiance has been gracious enough to put me on as an authorized user on her chase CC and AMEX.