I have a question and I am not sure if I am posting it in the right place but I know my fellow debtcc members always have good advice so I am giving it a shot. Because we are in serious financial trouble right now, I have cut down almost everything! My employer offers health insurance and it went up this month...BIG TIME! I couldn't afford to put the whole famly on it but my husband insisted I take it for myself since they paid for half. Bottom line-it is too freakin' much! I also don't like hubby not being covered. We don't qualify for anything from the state but the kids do.

Hi, I'm 21 fixing to be 22 from TN and have been in a downward spiral with pdl's and credit debt for the past three years. I came across this website last night after having a round with GFS. I called them yesterday to let them know my checking account was closed and to set up payment arrangements and the guy was a jerk about it so I decide to check into their so called business and it lead me here(THANK GOD). I have had loans with them in the past and have always paid on time but had to close my check account due pdl's on Jan 1, 2008.

The creditor has a judgement agaist me. If I wanted to avoid going to court I can answer all their questions that they sent me. I'm hesitent to answer them since it's a lot of personal stuff. Like bank info. and so on.

Here is the problem. In early December I received a summons to appear in court for a debt from a CA at the end of January. I sent the CA a debt validation letter and I haven't received a response. What can I do or say about this in court to protect myself from having a judgment against me?

I have an auto loan for around $400 a month and although I am current the monthly payment is killing me financially. What is the ebst option for me to get out of this loan without totally destroying my credit?

Quote: Bloomberg News, citing people who insisted on anonymity, reported that the White House is likely to propose an $800 tax rebate for individuals, a $1,600 rebate for households and investment incentives for businesses. So how many of you think this will really happen, this would be so nice, I could really use it right about now. With the price of gas and fuel right now.

Gosh I posed a question, received an e-mail saying it had been answered after I was flashed a message that I had been banned from the site? I sent off a couple of e-mails as to why, then signed up *again*, but I could not find where the answer was? When I asked, I got this *debug* message. Am I doing something wrong? Pat M.

I live in Iowa and I just found this website. WOW! I am physically sick because of all the payday loans that i have. I am trying to pay them but like many of you all I can afford is the fee. I just had a baby and now I cannot even afford the fees. I have read so many things here. Where do I start first. I have payments due in 2 weeks.

My fiance received a call for me today from "United Investigation Bureau" saying that I am going to be going to jail in 2 hours if they could not reach me for electronic fraud. They also said they attempted to contact me at work. I work for a bank, I am terrified that they said something about this to someone when they tried to contact me there. I am so afraid that I am now going to lose my job, because something like 'fraud' could get me fired. I have never done anything illegal in my life, I can't lose my job over this!

Does anyone knows the process that a lender has to go through in order to sue you.