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:cry: Hi, my name is Veronica and my mother is in debt so deep I don't know if she'll ever get out of it. She's paid off her credit cards twice but got right back in the hole with them. I do not know the exact amount of her debt but I'm assuming it's around $50,000 and so far every debt consolidator she has talked to has said she needs to have good credit to qualify which I don't get for the life of me because if she had good credit she wouldn't need her debt consolidated in the first place.

Here is my situation: I had an account with AT&T for my landline phone. Well, I had them shut it off because I rarely use my home phone. I always use my cell phone which is not through them. I'm gonna call them and see if I can set up some type of payment arrangements so they won't send this account to a collection agency. My bill is $351. I've made online payments before to AT&T with my checking account.

If debtor demands verification of a 5+ years old debt from the current "buyer" of the account, what are the chances that the original creditor will no longer have any proof of this debt? What if it's been more than 7 years?

The statute of limitations in CA for unsecured debt is 4 years; how come charged-off accounts from 5 years ago would still be listed in a credit report? If these are real unpaid debts, can they be removed upon formal/written request, or would a bankruptcy be the only way to remove them? If not, will they stay on file forever, or would they automatically fall off the list at the end of 7 years from last activity? Thanks for your help.

Asset Acceptance reported me to the credit bureau twice for the same collection account but different balance . The Company (SBC) sold my info to Asset in 2004, i settled on the account with just one payment thinking that it's all over, but i was wrong. Equinox sent a letter with a new collection account number but different balance they're asking me asking me to settle again. I called Asset but they told me that the company(SBC) had split the bill and i am accountable for the new collection account with Equinox. How do i figure this out? This is confusing me .

I am in illinois and I currently have 5 loans and I am so scared. I need to put a balance hold on my account, I know but I am paying them so much, I know I have paid off at least two of them, here is the list: Huskhawk group-325 paid $440 in interest Summit group-325 paid 300 and its in collections at pdm and I was told they were going to garnish my wages up to 30% and I would have to pay $2500 in fees mte financial-390- paid 270 in fees so far Chieftan financial-260 paid 180 in fee STC advance.com 274 paid 444 in fees Please help!

Hi all, Everyone in this community is so helpful, I was wondering if anyone knew the answer to my question. I have 7 PDL’s, and I live in Texas. One is with Advance America. I know they are legal and I must pay them (like all PDL’s in Texas!). It was a $900.00 loan and I have paid 1,000.00 towards this loan. - but I have renewed this loan 5 times so I actually have paid much much more than that, but according to their records, the last renewal was a new loan. (They require you to actually bring in the entire amount of the loan after 5 payments and then take out a new loan.

I heard from a Loan co today...instantloansnow . com also known as EDESC and paid $ 825 on a $300 loan...which said we had to pay $390 to PIF...we pd $90 for awhile and they said they will refund $435 on friday 9/2 :D I'm happy...Thank you for all your help...I know it's a start but I hope it continues esp with the one I over pd by $1500

THE COLLECTION AGENCY AGREED TO A SMALLER AMOUNT BUT I CANT GET THEM TO SEND ME A LETTER OF AGREEMENT. THEY WANT THE CHECK 1ST. I TALKED TO THEM ON THE PHONE. THEY KNOW I REFINANCING MY HOUSE.PLEASE HELP ME..

I have 9 of them. Paying each of them $30 a week just to have them hold off until my next payday. I have gotten myself into this deep dark hole of debt and I can't seem to find a way out. Any advice