Is it possible to take out a pdl which I can repay with my next paycheck, not the immediate one?

My friend Nancy is in debt and she has been laid off as well. Will the creditors accept if she tells them that she can make the payments once she gets a suitable job. The amount is somewhat $9000 all total. Most likely she'll get a job; otherwise she'll start doing part-time for the time being.

Can I file bankruptcy and become judgment proof so that the collector can't collect anything from me even if there's a money judgment?

Recently I came to know that debt settlement is not a good option to repay debt. One has to pay a tax on the amount that one doesn't have to repay. Are there any situation when it is beneficial?

I have payday loans with Check N\' Go, Advance America, Allied Cash Advane, and EZ Money. I have paid on time and I can no longer afford the fees. I will pay them back, but I can\'t continue to pay them bi-weekly. What should I do?!

What is better - Contacting a counseling agency, settlement company or consolidation company?

I have heard that one can follow debt snowball and avalanche at the same time. Can you please suggest how to do that

Are defensive driving classes worth it or it's just a method to snatch money? Who offers such classes?

Got a call from a number saying there is a case for me gave me the reference # and said something about a restraining order against me and I had 48 hours to respond back or they are coming to serve me, I\'ve had internet loans and defaulted on a couple but these people are saying they are investigators from a legal department . Should I need to worry. please! Thanks!

Is it ok to use my retirement funds ti repay high interest credit card debt? I can always pay back the amount before I come to my retirement age.