I've been lurking round this site for some time, and simply taking some of the advice I have been reading. Really good advice, I might add. Question. I defaulted on a Citibank account years ago. This account is outside of the statutes of limitations (checked that thanks to this site), and had been purchased by LVNV Financial LLC. I was actually kinda shocked that Citibank did not sue before the statute of limitations, as I've always heard Citibank is one of those companies that has a reputation for suing (after reading stuff here, I'm actually surprised that LVNV didn't sue).

We are in over our heads and need help. We have autos, cars, loans and credit cards that will keep using to pay certain things. Will my credit rating go down if I do debt consolidation? How easy is it to get creditors to go along with the program? Thank you.

Awhile back, I was a victim of identity theft. It was claimed that I had multiple accounts opened and unpaid. I pay all my bills on time. I have a police report on it. My credit is pretty much shot, and I don't think I make enough money to be able to hire anyone to help repair it. I don't owe any places money that I know of. I'm able to pay my bills on time every time. "Something" on my record is hurting my credit. Well, out of the blue, I received mail from Leading Edge Recovery Solutions 2 weeks ago. They claim that I owe 350ish originally to Bank of America.

I've been researching all the avenues to do debt settlement since I feel it is my only option at this point, to get out of credit card debt. It looks like I'm getting a home equity approved (fingers crossed) - if I get the home equity I will hold it in the bank until and if I get to a point of being unable to meet my credit card minimum payments. I read an article today about "universal clause" on your credit cards.

Sheesshhh almost finished our first bag of halloween candy! (big bag too) They keep putting this stuff out earlier and earlier each year! This means we still have a month before Halloween and lots more candy eating to go! And i'm not a very big candy eater to begin with... At this rate, who knows how many bags will be eaten by then! :shock: Do u all buy candy ahead of time? And do u eat it all and have to buy more and more? lol Ang

to serve papers to be in court for a debt,I told the sheriff that she does not live here anymore and he tired to get me to take the summons for her and I refused and then he went into this long speech if you know where she is and not saying and I told him again sorry I can not help you.Anyway it is for a debt she owes and my ? is if she is no where to be found then what happens ?

I am in a debt consolidation program. Can my bank accounts be frozen by anyone.

It was with shock and awe that we observed the media coverage and the subsequent frenzy over the last few days as Paris Hilton was ordered back to jail.

anyone know this number?1800-684-8429,keep calling everyday in the morning and night time.when i try to call back, and the answer machine ask for my account number!!

I have almost about 15K in credit card debt and a personal loan for 5K. And I have 2 credit cards I haven't paid on 3 months. I had unexpected debt last year that ate up my savings and caused me to be late on several credit card payments. I am now paying the minimum on each credit card(except for the 2 previously mentioned), but I'm not making any headway...my credit score is in the tank. 523 last time I checked (last month). I have a house, but I've only owned for 3 years, not much equity yet. I have no problem paying my debt, but it will take forever at this rate.