I've got about 19,000 in credit card debt right now. All of the credit cards are in my mom's name and mine as either a co-borrower or an authorized user. The cards are my responsibility and my fault that they are out of control. 3 of them have raised or will raise their rates in a month or so because of the stupid universal default clause on them. I know I won't be able to afford them with even higher rates. If I consolidated them would it affect my mom's credit? She has other cards of her own and I don't want her to know that I'm having problems paying them off.

I have been searching for info that claims that Internet lenders can lend legally to PA residents as long as they are licensed in another state. I haven't been able to find anything to back this up and prove it's correct. Does anyone know if this is indeed correct?

did not get all the docuoments and changed my phone# to 209257**** timothy Personal info removed for your safety - Mike

Citibank hires these guys to collect on a credit card which charges 33%. Is that fair. They love to call you all day long. Don't get a credit card from citibank.

Anyone know of an address for these guys? Phone # that came up is (832) 476-1739

Hi guys!! I told you I'm emotional around the holidays, because I love them so much..So here is a start! So often we sit and think about what's wrong in our lives..Do we ever REALLY count our blessings? I'm going to count mine.. My family..I have my husband and my little boy, Andrew..Everything I ever do is for them. I have my sister and brothers, and nieces and nephews..And my mom. Even though my Dad died two years ago and I miss him every day, I loved him so much..And he's still there..And I'm at the point where thinking about him makes me smile. My health..I am blessed to be alive!

hi, a place called nationwide credit called today at 1:10 pm does anybody have any info on them? any answers would be greatly appreciated.

I came back early in the morning after a lot of seminars and meetings I had to go through. The first thing that I was dying for was to log in the board and see you guys. It never happened earlier that I was away from here for a week. I wanted to see you all together and keeping this board in place. Sadly enough, I might have over-expected few things. I ran through a few posts where some people are offended by other's comments and deciding that this this is not the place for them to stay. I had to sit back and think for a while and understand if this is happening right.

Hi, Two weeks ago, I received a letter of default judgement on a credit card with Washington Mutual/Providian. I had thought this was paid, but that is beside the point. I was not even residing in the residence they supposedly sent my summons to, not even the same county, but the judgement default letter came via certified mail after being forwarded from my old address. Now, I looked at my credit report and see that Arrow Financial is reporting what I believe to be the same debt as of 3 days ago. Does that mean the lawyer hired Arrow to collect on it?

today, i am in a funk because i have been out of work for a little over 2 months and it is so hard. my car has been repossesed so i am at the mercy of other people to get around. my friend, whom i live with, has been very patient and we are going through hard times. he pays the mortgage and the utilities and his bills and its has been hard because the mortgage was based on my income and his and he don't make nearly as much as he use to. right now, our income has been decreased by almost $3500 a month.