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I have Debt less then 5000.00 dollars I am looking to get rid of it all please help

Right now I am judgement proof as I am disabled and on very little income, about $300 a month. I know a judgment is good for 20 years and what I am wondering is if a debt collector got a judgment against me and I declared bankruptcy, would that judgment be wiped out? This way I can start fresh again. I might even try to get an automatic stay to avoid that problem and it's good for 6 months or till I pay off the bankruptcy attorney which has to be done in 6 months.

i stumbled upon this great website as so many people offer their great opinions as what options they have for whatever situation they are in, and i hope someone can offer me some advice. Heres my situation, i am a sophomore at San Francisco State University, and currently borrowing around 2500 every year through federal loans. While the amount with the income of my mom only covers tuition, and books, i opened several credit cards a total of 3 and maxed out each one totaling around 4000.

This very topic was posted just last week....... "Last fall, the consumer advocate organization, Public Citizen, released a report that examined the use of binding mandatory arbitration by credit card issuers. The bottom line, they say, is that the National Arbitration Forum, or NAF, is in the pocket of card issuers such as MBNA(now Bank of America)." 23 April 2008 Bankrate.com http://www.bankrate.com/brm/news/cc/credit-card-update.asp

im in Richmond,VA

I was wondering how I would go about stepping up my payday loan companies to stop electronic withdrawal from my bank account? I have loans out through CashNetUSA CashTransferCenter Little Loan Shop Advance Discount IG Do I have to go through my bank because I already talked to them and to stop payment on each withdrawl would cost me $29 each.

Back in May of last year, I had an issue with Payday Yes and I received an email from them stating that my loan was paid in full. I didn't think anything more about it. I look at my credit report and see a collection from a collection agency. SO I call the number and they tell me that they are collecting for Payday Yes. I explain to them that I have proof that the loan is paid in full and I faxed it to them. How do I make sure that this is removed from my credit report? Are they even allowed to do that??

I have 4 outstanding pdl.... World Wide Cash- Tremont Financial- haven't paid yet because they gave my info to ambassador...who debited my acct 2x in one day for $150.00 Dollar Flash Payco all loans are for $200...although i was told and in the contract it states that the renewel fee was $79 for one...and $85 for another....they have charged $100 ..one has charged $120....i feel that all has been paid since i got hit 3x so far...i faxed over my info to virginia credit union to close my account and they are going to open another for me...Well..Tremont emails me something stating that they ar

I want to get the number of Mr. William Nettle. I talked to him yesterday. I try to call him on 800-642-0026 but until this date and time (8:a45am here in Guam) its busy so if you can give me his phone number I will appreciate it. Thank you so much.

Ok so I consolidated some of my debt with a consolidation company about a year ago. Now Im in a posistion where I can pay off all my debt in one swoop, so My question is....do I pay off through the creditors or the consolidation company?