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This may sound like a dumb question but I'm honestly not sure how this works and was curious. When they say they can garnish 25% of your disposable income. What exactly do they consider "disposable income"? I've often wondered about that when I've read about it and never was quite sure what that means. Do they figure in your bills as in mortage or rent, lites, water, phone that sort of thing, or do they take 25% right off the bat of your take home pay? Just been curious about that and figured someone here would know the answer. Thanks in advance, Johnita

i hv a credit card debt of around say $4000 n i wanna do a balance transfer......actually have heard a lot abt balance transfer but don know much abt it.i am already in debt n hence want to take every step in caution. can someone help me in understanding balance transfer? And why would my present credit card issuer agree for balance transfer? Terry

I currently have 2 $300 payday loans for a total $600. They continue to take $90 each = $180 every 2 weeks from my checking account. I have paid one of the companies for over 1 year now the $90 bi-weekly fee and have been unable to repay any of the principal balance. One company is Loan Point USA (which I believe operates via the name Geneva Roth Capital) I applied at Loan Point USA but somehow Geneva is the company that takes the fees out of my account.

Please help, I had a loan out in 2006 for $200 and repaid in roll over fees $350, now a guy is calling my work wanting $2000 something more, he also wants my supervisor and a fax number, I kept asking for a return phone number and told him I would check into this, he won't give up, please advise, I live in PA

does debt consolidation or settlement hurts your credit, how does your debt appears on your credit after you've choosen the program

By now you might have received the small gift from Uncle Sam, your stimulus check. And in this hard time, with the gas price soaring and the magnified household bills, it is no less than a fortune for you. You must have some plans with the check! Share with us, how you are going to spend it to fill-in the gaps between your income and expenditure?

pdls i have have been turned over to collections they are internet lenders & i live in ohio. ais services & pdm. if you have addresses on them that would be great.

Hi All, I got a $300 payday loan from Arrowhead Investments the week of April 23rd 2008. They were supposed to take the entire $ 390 repayment out of my payday on May 16 2008. They did debit my acct on May 16th but they only took the $ 90.00 interest payment. Since they were closed over the weekend I was searching the internet for their phone #, address, any info about them really. That is when I ran across this site. After reading alot of the posts, especially one by "cmneill" who posted a letter and response about his experience with Arrowhead Investments.

I have several totalling 2250 I put an ach hold on the debits of them but I don't know if that will stop them. Here they are ssm holdings zip 19 247 cashonline united cash loans mmg loans I live in Mass. what do I do?????

Hi All, I got a $300 payday loan from Arrowhead Investments the week of April 23rd 2008. They were supposed to take the entire $ 390 repayment out of my payday on May 16 2008. They did debit my acct on May 16th but they only took the $ 90.00 interest payment. Since they were closed over the weekend I was searching the internet for their phone #, address, any info about them really. That is when I ran across this site. After reading alot of the posts, especially one by "cmneill" who posted a letter and response about his experience with Arrowhead Investments.