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Find something great every day to focus on while you take care of the mess PDL's have made. It doesn't have to cost anything-watch your favorite TV show, play with your dog (which is what I do), go get an ice cream, talk to a good friend. I know it seems like this is your whole life right now, but don't forget about the good stuff. This will be over for you soon, and things will be great..focus on that.

I am struggling in today's economy and want to call the credit card companies I have and see if they can work on payment arrangements less the interest. I have Wells Fargo - $2000 Capital One - $800 Orchard Bank - $800 Credit One - $650 I am killing myself paying the minimum and want to work on getting them paid off and feel like I cant get anywhere. Any advice?

It is my opinion that if a post gets deleted, the person deleting it should give a reason why and say who they are. If I delete a post I will say for example "removed for profanity- Frogpatch" That way if the author of the thread, especially another mod, can PM me and ask me what was said. Earlier despite my plea in the lead paragraph to not delete responses, the one I waited two days for was deleted. That is OK but I would have really liked to have known the content. The moderator chooses to remain anonymous. I know Sass for an example always signs her deletion as does Bulldog and others.

I did something beyond stupid. I basically tried to consolidate my student loans a few years back. I had never done anything like this before - and admittedly I was clueless about the whole process. I continued to get DOE bills in the mail which I paid so I was under the impression I was paying my student loans. I recently tried to apply for financial aid and they told me i defaulted on my loan.

Is The Little Loan Shoppe legal to lend to MI??

Paul S Cohen is supposed to be picked up for questioning by the state police today. He is alleged to be running a Ponzi money laundering criminal enterprise......Stay away!!!

I owe some money left on an old Verizon bill. This is the 3rd collection agency overall this has been referred to. Verizon originally had it. Then sold it to collection agency. Then Verizon got it back (so I began paying on it), then sold it to another collection agency. I in turn began paying them, and have an overall balance of $400 left on it. I just got a letter from this third agency to pay it in full. Would it be wise to even off a PFD? I've obviously already acknowledged the debt was legit - I paid off $800 of it. Just wonderinf if I should just pat it as is or bother with a PFD.

2 days ago I sent out 3 debt verification letters to the CAs. What exactly is my next step? Should I go ahead and send a dispute to the 3 credit bureaus? Also, the CAs cannot validate a debt to the bureaus until i receive my validation correct?

Why can't I get my replies to post? What the heck am I doing wrong??

Does anyone know of a payday loan company known as Payco Aka/AIP same address same phone numbers