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when are times of days and number of times collections for bill collectors may call you during the week

Please be patient with me. Since finding this site and especially this forum, I feel like I finally have a voice! I am waiting for the free consultation call, but in the meantime can someone advise me on the best way to keep my credit rating, but lower my monthly payments to a more doable amount? Including a $20,000 student loan, I owe another $20,000 in credit cards, personal and car loans. I have maintained a decent credit score but am paying out almost $1000 a month!

I just wanted to let you know why I haven't been on much lately,well the last week we have been sick. But if you remember, my friends' 13 year old daughter was kidnapped and murdered, but they couldn't find her. We have had a bunch of searches with no luck. Well, on Good Friday, some kid found her in a place they had never thought to look in! The realy neat thing, besides the family finally getting some closure, is that they found her 3 days before he goes to court(Monday). Thank you all for your prayers and concern for this family..Karen

I work for a school, and collectors call there. I dont work for the office I work with soecial needs kids so they call the office and the lady that answers the phone give me messages. I am afraid that I will losse my job for this if they keep this up. Cant i just send a letter to them demanding that they stop calling there, or does it have to be a cease and disist order. i have no money at this time to pay for a cease and disist. So what can I do?? i have worked my butt off to go to college and work with tese kids I have been with for 5 years soI hate to loose my job.

did you use a debt management program?

I'm trying to consolidate my credit bills to the total of about $50,000. I am getting blasted with interest rates from 10.99%-22%. I have been current on all my accounts for yrs. and I want to go with a company to consolidate and make one payment every month at a fixed rate. The money i save from various accounts would be well spent on affording to pay-off this debt faster. I live in Ohio, which is very hard hit state, and fortunatly I am blessed with a good job and I have also been blessed with being able to stay current with my payments.

My husband and I live in SC and we were wondering what we can do. Arrowhead Investments are using a company called PDM (Phenoix debt management) to collect money owed to them. I have bank statements proving that I have already paid over $1000 on a $300 loan. PDM is threatening to garnish my husbands wages to pay back $468 for the loan. What do we do?Can they do that?

My son who is 16 and whom you can't get off the golf course is NOW cleaning his bedroom and bathroom and I DIDN'T HAVE TO NAG HIM INTO DOING IT... what is a mother to do????????????????

Ok I owe 4 Payday loans 2 with MTE Financial d/b/a PayCheckToday $200 princ $60 in fees. I paid $50 on the princ and $90 in fees the balance now is $150 princ/$45 in fees. MTE d/b/a quickest-cash-advance $300 prin $90 in fees paid $0 so far. Paydayone $650 princ $185 in fees paid $0 so fae, B.I.G Int $225 prin $80 in fees paid $0 so far. I know that MTE and B.I.G is totally illegal, I just discovered that through this site today. So far i have closed my checking account and gotten a new account with the same bank. I read the post on hear about closing your account.

how to manage national debtin a developing economy?