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do you think a debt settlement program is a good idea if i am 25,000 in debt and unable to pay my monthy fees? has anyone done debt settlement before and if so can anyone tell me which program is good and not a scam. thank yuo!

I am trying to find a contact # or any information that will place me in contact with this company Payday Trans DIRECT PAY. Thank you for any help.

I have three PDL's and at this point I think I'm ok. But I can see where this would get out of hand. Just so I'm armed, can someone share NC's law on PDL, I can't seem to find it on my own. Thank you.

I am reading here and getting so much good advice! I am thinking in my situation, BK is the only way for me. I am in a state where DS is not allowed and CC wouldn't lower my payments at all, they would be higher. BUT my question is in regards to our HELOC, my name is on it but also my husbands as is our mortgage. Would I have to list that in the BK? I am wanting to file individually and get rid of my unsecured debt. Bad business choices and slowing economy have me stuck. My husband is not at fault at all. And also which chapter would I need to look at? It is confusing. Thanks

I just received a letter from one of our collection agencies saying if we don't pay the account or make arrangements by Sep. 16, they will send it to an Attorney's office. We are with a DS company and they know that. Is this just a scare tactic used by these people to get you to panic? We actually had one account that went to Zwicker first and now it has been sent to another CA. Go figure. People say it is rare to get sued but I seem to be reading about quite a few people being summoned recently on the forum.

Hello again. Here is the situation. As you all know, I am trying to get rid of these darn things. I hope I didn't make a mistake with this one. They called and I answered the phone, stupid I know. I don't know what I was thinking but I set up a payment arrangement with them. After I get off the phone I look at all of my paperwork I have with all of this and realize my mistake. I thought these were one of the legal ones, no they are illegal.

I received in the mail today that I have met the requirements of the 3 year conditional discharge process pf my student loan. They were offically discharged on 7/31/2008. Yeah 8)

How do I get a refund back for money paid via the title company for a debt I did not owe. We were closing on property and this debt appeared on credit report with no name, other than 'financial control'. The HUD statement included this per the lender, but no time to investigate. The debt had to be from a debt collector otherwise the name of the company would have been clear other than 'financial control'. How do I get this off my credit and how do I get a refund.

I haven't reduced any of my debt a whole lot, but I am already feeling like a winner, Before I joined this site I was so stressed out because I didn't now what to do with all my debt. I have learned from all the different forums that it takes time and one step at a time. I was always trying to run instead of taking it one step at a time. I am already feeling a winner even though I am barely getting started. I don't feel so stressed out any more. If I can't pay a bill I do the best I can to get a little bit paid, and there always next moth to get even and caught up.

DOES ANYONE KNOW WHO THIS IS? THEY ARE GIVING ME THREATING PHONE CALLS