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My credit is really bad and I have some chargeoffs and one judgement. Should I bite the bullet and declare bk or try to get on track.....

I have an IRS lien on all my property, I am making payments but it will be years before it is paid off. I have 5 cc's that I have been unable to keep up on, last payments were made about a year ago. I just received my first summons, the amount of this cc debt is $7000. I don't know how to respond or what to say. Anyone know or have any experience with this? Do I call the lawyers office that filed and tell them about the IRS lien and that I want to settle with them now instead of them having to wait 5 years to collect.

I was called at work by a local number. I did not recognize the number so I didn't answer. The number then popped up 2 more times within 5 minutes. I saw that I had a voicemail message, and when I checked it it was someone named 'Officer' Shawn Williams stating that he was calling from United Legal Investigative Department and that he needed to speak with me or he was going to contact my manager at work regarding a debt that was owed. Keep in mind he was saying this on my recorded voicemail, which I am sure is a violation of the fdcpa.

I am not going to be around tomorrow and not sure what all is going on this weekend, but did want to wish everyone a Happy 4th of July and to tell every to have a safe weekend!!!

I need a physical address for CBCS Collections. I need to send them a debt validation letter. Can anyone help? Thanks

I am in pa did this over the internet stupid huh. The guy that has been calling is in California also Thank You Brenda

My husband and I have about $50,000 in credit card debt and we are having a hard time paying it down. What would be the best plan to eliminate the debt, that won't have a huge impact on our credit?

I have five paydayloans that require huge renewal fees and I would like to see if I the monies that I pay will pay the principle but not the huge fee they charge. If I can get away from these loans I will never use them again as the interest rates are outrageous but when you are in a financial crisis your alterantives are scarce. Has anyone ever dealt with any of the companies that I am listing below and are they willing to work with you. 500 Fast Cash Amount Financed $350.00 Renewal Fee $105.00 Balance $195.

The loan was 200 dollars and I bvelieve I payed 50 of that back. But now he is calling me wanting 1035.00 I sent him a letter or faxed one and said I would pay the the money I owe but he wanted me to say I would pay 711.00 back. I have a fax number and address if you want it. The loan is threw sonic payday loan out of California. I would not put any amount in the fax. Thank You Brenda

All, first of all--thanks to all of our for your advice and wisdom with these PDL's. I have resolved all of them except my 2 with MTE. Both of them were way overpaid. All I received back from them was a generic email stating that my loan was not approved. (i didnt request a loan you bozo's) I was just wondering if anyone has ever been sucessful in getting any money back from them. Overall, I guess I really dont care that much, I will just be glad to be rid of them. Sherry