For the past ten years or so I have dealt with a family owned bank that does NOT report to the credit bureaus. I have had no credit cards and no credit from any other lender. After listening to Suze Orman I realized my FICO score is most likely very low since I have had nothing reported. What am I suppose to do do get a better score? Do I need to be concerned about my score? I've not borrowed any money for years and have no plans on borrow any but who knows what I may need in the future. I tried to get my free credit report but was only able to get 1 out of the three.

I had some roommates who did not pay their rent. I know I'm responsible for the debt because I was a co-signer. They (former roommates) told me they would take care of it with the apartment manager and they never did. The manager has now sent this to collections and I asked for debt verification. They did send me a payment ledger, move-out inspection notes, and the bill the apartment manager sent to us. After this collection agency looked over the ledger they noticed two months was not billed to us.

IS everyone sure that PAYDAY LOAN YES is not going to arrest me, or show up at my job. I've sent them numerous emails and they haven't responded. Someone sent me an email, I think his name was David, I sent him an email back, he won't respond back. Him, nor my loan representative that first helped me get the loan. I'm from NC, initially they took their money before they were supposed to. I've sent all the cease and desist letters, and ACH and wage revoke, and I've also closed my bank accounts, but i"m extremely worried.

If you have ever dealt with Westbury Ventures, you know what jerks they can be. I was dealing with a creep who went so far as to threaten me with arrest, imprisonment, garnishment, etc., all because I requested debt validation!!! I filed a complaint with the Delaware BBB, and guess what? About a week later, William Lemaster from Westbury called to APOLOGIZE for the crappy treatment I received and emailed the PIF letter to me. My telephone has never been so quiet! These crooks can be stopped!

My ex step daughter owes me 4500 and I want to file a suit against her. Is there a way to do that without an attorney

I have been trying to decide if I need to file bankruptcy or consolidate my debt?I have gotten two months behind on two cars payments,behind and over the limit on 5 credit cards,four other accounts buy now pay later, and have four payday loans I'm trying to pay off.All together I owe about 35-40,000.I need help I'm drowning!

Ok - this is going to be long...I'll try to make it short. I have a foreclosure and 2 repos on my credit due to the closing of a business. My credit is shot. It is so bad that I cry just thinking about it. The business that we owned was a family business. My sister has since filed chap. 7 and rebuilt her credit rating over the last 2 years. I need to file and start over, but I cannot afford an attorney. I know someone who used a paralegal, but I am new to this area (Virginia) and I don't know where I would find a paralegal?

Well, we are down to the final week and to be honest, I really don't know if I am going to make it! I am a wreck right now. My hands are constantly shaking and I have a headache that I cannot get rid of and just all around stressed to the max. Oh my gosh, I just don't know how I am going to make it. Yesterday was my son's last day of work and he is going to be home, well don't know about actually being home home, but he isn't working this next week, so am hoping to be able to spend some time with him.

Hi gang, I need some advice here if possible. First question is that I owe about $1200.00 to the Federal IRS after messing up my deductions (took way too many) and this is about 3 years old. I have waited so long that now I'm afraid to call them for fear they will try to garnish wages..etc. Will they still work with me or will they try to take my next tax refund? Second question is:My son is 20 yrs old and joined the NAVY in June of this year. Since he lived with me for 6 out of 12 months, am I still able to claim him on my taxes and file as head of household?

hello, i am a homeless person-looking for work, i have about appox $18,456.00 of debt what should i do, i tried a bankrupt lawyer he said no!!! please help. les l sailer.