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I am 6 months behind on my payments to BOA and owe them $9700. Obviously, I have received numerous phone calls (which I've avoided) and letters (not answered). Today, I received a letter that stated this is their last attempt at this debt and that it will be turned over to a CA on June 1st. I haven't made any payments since Nov. 2007. I would like to settle with them for 30%-40% of the balance. However, I will not have the money to send to them for 60 days. Can I negotiate a settlement but not pay them for that long?

Hello! My husband earns a decent salary. I use to handle Our money and paying the bills. Although we never had much left over. the bills did get paid. In 2000, I got ill, became disabled and my husband took over the finances. He was never very good with money and as the saying goes, " It burnt a hole in his pocket." He would get these pre-approved credit card offers in the mail and accept them. Last year, he finally came clean with me. He is maxed out on all of them to a tune of $30,000. I have tried so hard to make the monthly payments, but its not happening.

First let me say hello to everyone and am very excited to come across this site. Now I don't feel so alone. Anyways, here is my situation: I have about 10 payday loans that I have been dealing with since 06/07. I will give you as much details as I have for now, but have to check on the dates because I have had them so long that I will have to check paperwork when I get home. Three are brand new, but the other seven are old, and I've only paid-off one that I didn't list. Final problem before I list them.

I have several questions that go different ways. Guess it all started with a repo I had in 2002. Well a couple weeks ago I was informed that I now have a garnishment of wages through my employer. It turns out the Original creditor sold my debt to a scum Credit collector called Kelkris Asoociates. In 2004 Kelkris filled a lawsuit. They now claim they served me at my parents house, but I never received any paperwork. I asked my parents and they did remember the guy asking for me, but my Father told him I dont live there.

I am soooo sorry I haven't been here in awhile :oops: It has just been nuts here. My daughter is graduating on the 8th. But her last day of school is the 3rd. So I have been busy planning a little family get-to-gether for that. Plus my dad asked for my help for a surprise birthday party on the 7th. I have been in the planning of my daughters graduation party on July 12th, we are also celebrating my sons 16th birthday the same day. I have been trying to get my son into drivers ed before I get stuck on second shift again. Then a family member is getting married in Aug.

i was sued by capitol one and didn't get a lawyer because i couldn't afford one and they sued me for almost five thousand dollars and they are taking it out of my check every week. So what happens when i quit my job

How do i ask this guy a question

Please help! I live in Minnesota I currently have 5 payday loans out. I have defaulted on them back in October. I know, I know I have been ignoring them since none of them are willing to settle. GFS 300 50/2 wks Apple Fast Cash 350 paid 62/ 2ks e payday loan yes 300 paid 50/2wks money and more 300 paid 50/2wks loan shoppe 300 paid 50/2wks Now I am confused if I made several payments to them but they are saying that because I signed a contract agreeing to renewals that they didnt count towards the principal. IS that so?

How long after default would it take for a payday loan co. to garnish your wages? I am seriously considering bk but i can't pay the filing fee for 2 weeks...

I live in Pennsylvania and have 9 payday loans. I am at the point where I can't make the payments consistently to all of them and am looking for alternatives.