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I live in Hawaii. I have credit card debt $30,000. Some of monthly payment for these credit cards are extremely delayed. I have a car secured by automobile loan company. Remaining loan amount is $15,000, but the actual market value of the car $12,000. Thus, equity in this car is minus $3,000. Monthly payment on this car loan has been done on time so far. One of credit card comapny sued me recently. Question: Can unsecured creditor garnish my car with a Court Order?

The DV letter on this forum asks the CA for a "Copy of the original credit card application establishing the debt between the creditor and me. This is also basic contract law" as part of debt validation under the fdcpa. I got a response from the CA and they say that they are not required under the FDCPA to provide me with the application to validate the debt. I also read the FDCPA myself and no where does it seem to require the above either. Am I missing something?

I have a car which automobile loan company made a collateral when I purchsed. I have been paying monthly payment on time so far and I will be able to continue to pay. I still owe $15,000 to this automobile loan company, but current actual value of this car is $12,000 according to market research. Therefore, my car has no equity, but minus value. Meantime,I have unsecured debt amounting to $30,000 from credit card company. One of credit card company sued me and it is going to get court order to garnish my assets.

I would realy appreciate some advice for these payday loans I took out. I've talked to 3 companies that work with payday loans, but I'm a little skeptical because of the fees. I have seven internet loans. I live in TN. Zip Cash 260.00 PayDay One 526.00 Payday Island 405.00 Arrowhead Investment 260.00 Greenlight Funding 260.00 Cash Transfer Center 566.00(including nsf fee) American Consumer Credit(the cash spot) 337.50 I'm not familiar with the laws regarding payday loans in my state. I can't close my bank account because it is in the negative.

I have a car and I still owe the automobile company for more than actual value of the car.

can you add payday loans to debt program? I have 4!!! In way over my head.

Two years ago my 20 year old son received a credit card with a limit of $5000, he was 18 at the time. For a year and a half he spent like crazy but was always able to make his minimum. Six months ago he missed a payment, and has not made a payment since. He has not answered any of their calls or letters because he was scared. Since I am an authorized user on the card they recently sent me a letter. It states that he now owes $6,110 and they are willing to settle for $1,260 in four payments of $315. I think this is a great deal because he will never be able to pay it off otherwise.

i have a payday loan with a company called ambassador/nationwide cash these crooks have already taken over 800.00 for a 400.00 loan i have done a few loans and have never had to pay back twice the amount i was loaned i am in missouri and this is a inet based payday loan i have asked my bank to block or dispute these payments but state i cannot do that because they change the name each time they debit and its never for the same amount the bank is telling me i can only block the payments if i know the exact name of the debtor and i have to be within 5.00 plus or minus of what they are going to t

If I send a C&D letter to the CA's, and send a copy to the OC(they have charged off, but not sold the accounts) saying that I will only settle with them(reason I didn't initially because I was working through a debt settlement company who didn't to their job), what are the chances the OC will pull the accounts back?

HOW DO I GET STARTED GETTING BACK ON TRACK ,I JUST RECENTLY GOT A JOB