Don't know if this is really the place to post this but I am so depressed over my debt. I know that it is no one's fault but my own but it is all I can think of. I don't even go out of the house anymore unless it is for work and when I am at work all I think about is my debt. Even though I am 1/2 through paying off and have only been at it one year, it is just still depressing. I really don't have anyone to talk to because no one really knows the extend of my problem. How have you coped with the process? Share your stories please.

Just got a notice from them and mailed the DV letter CMRRR. While I'm waiting for an answer from them, does anyone have any good/bad info about them?

Has anyone heard from her?? Did she need to go back to the hospital?? She isn't answering my email either and I haven't seen her on site....I'm worried...

Anyone go to court over a debt. I am not filing bankruptcy just being sued for a cc debt. What happens. I have never been to court for anything. Anyone willing to share there experience will put my mind at rest a little bit at least. This site has been a life saver for me.

Can anyone help me. I was served a summons that combined 2 accounts from the same bank. I settled on one of the accounts but did not have the funds available to settle the larger one. My question is - can they still take me to court on the summons that has both accounts or will they have to file a new summons?

I am furious! CCCS overpaid one of my online PDL accounts by $135!! I caught it right away and asked them to stop payment on the check which they said they would make a"top priority" - but now I find out that didn't happen. This is the second creditor they have overpaid. If I drop out of the dmp and finish paying my creditors on my own, what would happen? I can't see giving them $30 a month to screw up! I am down to 4 creditors and about $5000. Any advise out there? Can I demand CCCS re-imburse me for the overpayment???

I recieved papers from the courts that some attorney is suing me for 9000 dollars. I send them a letter to verify the debt few months back but they never validated the debt. I called them to work out a paymrnt plan they refused. they want all the money. I dont have it. I am realy scared I am ,I dont know what to do Please any advise would be appreciated.

Anyone every hear or deal with Zwicker and Assoicates. I have a debt with them and am just curious about them. Thanks

Thoughts and Riches is maintained by blogger Ruby. The blog is more of an online reflection of her personal experience in managing finances, The blog is more of an online reflection of her personal experiences in handling finances. It provides an effective guideline in matters of stock investment, debt management, financial and accounting clarifications. However at the same time it provides information on investment books, distance learning scholarships and so on. The blog has an informal appearance and a very personal feel.

Well, kiddies, it's about that time again. Time to dig deep for the greater good, or something like that. There's another thread here in the Pub from a poster who was thinking of taking a job doing taxes at a place that does a lot of refund anticipation loans [RALs]. That got me to thinking......... [size=2][Run for your lives, folks! He's thinking again!!!][/size] :) Anyway, there's a lot of hoopla about fast refund service in the media this time of year, and a lot of competition among tax preparers. Seems like a lot of folks want their refund money as quickly as they can get it.