I have about 7k in consumer credit card debt in the U.S. I plan on moving to Ireland fairly soon here and have tried to work with my card company to either reduce the interest, the minimum payments, or accept a smaller amount, but they are unwilling to work with me to make this easier on myself. So, I am frankly factoring them more and more out of my future plans entirely. I do plan on speaking to a lawyer about this, but just to ask a general audience as well, does anyone out there know if they could end up suing me in Ireland if I simply decide to shut the doors on them?

I have not paid bills in 3 years, is it late to consider debt consolidation? And, when an account has been sent to a collector, does interest continue to accumulate?

Our story is really quite simple, doesn't include any major sobs, just a lot of stupid mistakes. We have been married for 6 years. When we met, I was a single mom, student with good to very good credit, he was a bachelor with good credit. We got married, got pregnant, I quit school to stay home. Then we both got good jobs, bought our first home, a fixer upper, and got pregnant again. We both quit, me to stay home again, and him to go back to school. Then we did some job hopping, both went back to school, got pregnant again... so here we are, 6 years later.

I need advice on help with payday loans. My parents and I got the loans this time because of emergencies that came up and now we can't even afford the refinance fees. We were so desperate, that last payday we had to transfer money between accounts so the fees would bounce. Otherwise, we wouldn't have had the money for the rent (which was already 2 weeks late.) and the car payment. (we only had money for one payment, we're still behind by three months.) My father has 6 payday loans and I have four.

I have two numbers to BIG and I am not getting anywhere with either one. I have seen a few posts were people have gotten messages and harrassing calls from someone at BIG to cantact them. I want that number. I am making all efforts to contact them because I want to pay my loan in full. The funny thing is that I think they sit on the loans on purpose. Think about it if you have a loan like mine for 300 and you add the interest charge 90 and the returned fee of 30 that comes to 420. What if you want to get more from the consumer?

Can a company report to the credit bureau if you're not 30 days late? I am behind on car payment. It was due on the 11th. I can't pay it until January 4th so it won't be 30 days late. Can they still report in as 30 days late? I am not eligible to defer a payment until I make December's and January's payment. I did a deferrment last February.

Hi, You all have helped so much in the past, wanted to know what to do with this call. My account from Geneva Roth was sent to a collector. The collector called today and said to call her before 4 p.m. so that I could have a chance to finish paying my loan before the attorney called my employer to take money out of my pay check. Can they legally do this? I live in Florida, a reply quickly would be great as I go to work in a few minutes and don't get off until 10:30 p.m.

Help, I got a call from a investigator in texas who is working with cash in minutes website. I owe them 200 dollars and they bounced the checks though my accounts. I was stupid and got payday loans. He said if I do not settle by this friday and saturday,I would be charged with check fraud, since the check what though my account. I am can not afford a lawyer and do not know what to do.He would not work out another deal. i am settling with another company on friday and can not afford to settle with him if I send him all 635 dollars he wants. Please help Chef 30

I have two credit cards that I was not able to pay on and now am really in debt. Along with that my identity was stolen a couple of years ago and has pulled my credit way down. I really want to get my credit straighten out so that I don't have a problem anymore with it. The credit places call me day and night and call like 20-30 times a day. I have answered the phone and told them to quit calling and they wont until they get there money. They state they cant stop calling. I have told them that I am at work and they are getting me in trouble and they just keep calling.

Does anyone know who the top 5 best debt consolidation companies are? I want to get into a program to help with my debt.