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I have a 15 yr 6.5% fixed mortgage on my home. I had huge credit card debt so my husband and I did a HELOC. Our HELOC is now at $250k WOW! At its limit. Interest only too! However, I also have gotten into Cr.card debt again trying to pay the HELOC. I want to settle w/ my credit cards,(60k) and can I settle w/ the HELOC? Since it is a 2nd mortgage not the 1st? I can afford only to pay the 1st mortgage at this rate. Ugh, we have worked like DOGS and this is all we have to show for ourselves....My business in real estate has failed and I am basically unemployed.

I recently recvd a call from Mr. Davis at allied interstate regarding a past due Am Ex bus acct. He had suggested that I transfer $1K to my Sears acct then pay $50 per month. Has anyone heard of such a thing?

For months my phone rings 4-6 times a day and its Discover Card - I answer the phone about every two weeks, take the abuse and then they call again later the same day. i got a loan from my family members and i offered Discover 40% - I'm about 110 days delinquent - they said they would not settle now and to tell the truth they never settle for less than 60% - I'm so frustrated - anyone settle with Discover and how much of the balance owed?

Ok all I sent paychecktoday an email (not the famous letter) I just basically said that I fully intend to pay them off however I no longer have a bank account nor can I reopen a new one right now. So Id like to pay them by mail. About 5 minutes after I sent it I receive a call from Darin at paychecktoday.

Hopefully I'm not being repetitive...I have gotten myself in a bit of a hole...I have made an attempt to work with the creditors that were realistic and helpful...the ones that were rude I have come to ignore - not necessarily the best method, but most manageable for me. Today, I got a very rude voice mail from 'SIMM Associates, Inc.'...when searching for more info on them, I found this forum. I'd like more info on dealing with all of the 'ignored' creditors in a more mature and productive way! HELP!

I have a ton of credit card debt but i do make the minimum payments every month and have perfect credit history othor than my credit cards being maxed out( which lowers my score) does anyone know of any institution that gives credit consolidation loans to people in my situation who have a lot of debt but excellent payment history?

MY BK7 was discharged late last year. Bass & Associates has sent me 3 letters since discharge asking me my intent as to surrender of collateral on a store card (BestBuy(HSBC))which was discharged by my BK, yet the lien has survived. The total lien is less than $1500.00 on home electronics/computer that are now two years old.

who is this company

Okay, for the past year I have been going from one payday loan place to the next in order to pay off the previous payday loan. I sat abck and calculated that it has cost me close to $10,000 in interest for the past year. About a month ago, I made the decision to roll the dice and stop the payday loan mess. When my loan was due with Check-Smart, I called them and told them that I did not have the funds to pay them. I owe them a total of $722.00 and made them the offer of taking payments of roughly 1/4 each month until the loan was paid.

Okay; just received a call at work (caller ID says: 1st IRS) and the women didn't say what company she was with, but that a claim has come to her with account #********* and she needs to talk to me today. Stated that my claim will go to her review board tomorrow for a decision. If I don't contact her today then I should call my legal council to call.