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Purchased a cell phone from Wireless Experts 12/07, and after a long wait, received an EMPTY box. After nearly four hours of trying to reach Wireless Experts by phone I was told by Mike at Wireless Experts (four hours later!!!) to file a claim with FedEx and complete an RMA form and fax it to Wireless experts. I did both promptly. FedEx returned to my home and collected the empty box the next day. After weeks of ABSOLUTELY NO COMMUNICATION from Wireless Experts, I began to email and call again to check my claim status.

is t it really true that they can reduce your owed amount?

I have 3 loans with mycashnow.com discountadvantage.com and cashtransfer.com are they illegal in MA state. what should I do to get out of this loan? can afford to pay them anymore, I dont want to close my account? dont know if my bank will stop ACH. my bank is Bank of America.

Hi I am a student from NJ and have racked up a $6500 credit card debt (unsecured). I've heard that in NJ you can't use debt settlement. So what are my options? I've stayed fairly up to date with my payments but can't make a dent in the total balance because of interest rates. I've tried calling the companies but they wouldn't help me out. I do have a company who says that they can help settle my debt (Preferred Financial Servces pfs1.net) but I'm not sure if this is the way to go. Please help!

how long does it take your credit score to recover after a settlement program?

I'm so low tonight. STUPID PAYDAY loans have ruined my life (granted I was dumb enough to let them)...We were T & C for our credit cards and some personal loans, however after much soul searching that wasn't working for us. So where do I stand now??? I have no idea. I just got off the phone with a law firm discussing settlements!! Their fee is VERY high $5900 and my first 3 months of payments all go to them...Plus we still are at risk of being sued. God help us....I am so sick of this, its been well over a year I've been trying to figure this out.

If we pursue debt settlement with a company (lawyer based since we're in GA), what are the chances of being sued? What about a lien on the house? The way I figure it, we could settle all our debts in 20-24 months if we dig into some savings as well. I know everyone's experiences are different, but if those who have been there, done that can share, I would appreciate it. Thanks-

I received a notice from RJM Acquisitions stating they have purchased a old credit card debit. It occurred in California and is more than 8 years old. Should I send them a debit validation letter or just ignore them. With regards AM

I was wondering if anyone from Wisconsin has filed Chapter 128? I was wondering how does it work and who is a good attorney to go through. Thanks

If Medical Bills Can't be used against you in credit why are they on my Credit Report Showing neg?