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Reading is boring, posting and waiting is slow, searching is painful, videos are still a better. I am from technical field, these days I do search on youtube before searching Google. A video tutorial helps me more than a forum post (esp in learning things). What is stopping our members from creating our own videos? Looking forward for your view point. Thanks - Vikas

http://www.debtconsolidationcare.com/income/index.html - We started it off as an income forum. We all know that a penny saved is more than a penny earned so I clubbed budgeting with income. I hope it makes sense. Thanks - Vikas

Has anyone ever dealt with langhorne debt solutions? Do you have to close your checking account? I only have 4 payday loans out but it consumes my paycheck. Let me know if anyone has any experience with this company.

I know they are overseas somewhere so they can escape U.S. law, but has anyone had any luck with a complaint? If so, with what agency? The FTC? As most of you who have dealt with them know, they say their "call center" is in the UK (London), and they do sound British. They won't give out the company address, accept any partial payments, or any method of payment other than debiting your checking account. Interesting that when I did miss a payment one time, their collections/payment arrangements person sounded like he was from India.

I was looking over my credit report today from truecredit and I have two collections accounts as installment accounts. Is this something I should dispute? How long should accounts stay on my credit report also? I filed for Ch7 back on 9/1/2002 and had credit cards that was discharged with the Ch7. Should these credit card accounts still be listed on my credit report? Is it normal for them to report to the bureaus in 2008?

Hello. I was wondering what type of debts you can include in a debt settlement program. Thank you.

Does anyone know this number, 866-451-5821 It shows on my caller ID as Not Provided. I thought collection companies had to identify themselves on the caller ID, am I wrong? Anyway, I can't find any info on this, can someone help?

I have 3 payday loans would like to know if you can help me to put all 3 loans into one and pay just one.

Several people are NOT receiving cash-outs. WHY?????? What the hell is going on?? I'm tired of NO responses.

Hello all, first post here, have been lurking quite a while and reading all the good information. Only wish I had found this site sooner. I've been hounded by lying collection agencies for about a year now, after the one I was paying suddenly sold my account off to another agency.