:rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose::rose: puddlejmpr sent me a PM few days back and said that the group will like to see a "Rose" smiley. I have got requests from others asking for a "group hug" icon. Right now, I have installed the Rose icon in the server. It's in "View more Emoticons". I will be installing the "hug" icon by this weekend. Thanks for all the good wishes and voting me for the HOF. This :rose: is for everyone.

Can anyone offer any advice? What NOT to do?

My daughter has ask me to help her find a financial institution that could consolidate her debt and allow her more financial freedom. She seems to be stressed out with bills. So how can I find out what is a reputable place to start?

I currently have 3 CAs on my CR, Midland (2) and Arrow (1). I have disputed these several times with the CRAs, with not much luck. I have also sent them 3 or 4 DVs and never got a thing in response. 1 of the listings is past the SOL, but the other two are only a few years old. I just filed complaints with the BBB and I am hoping that this will get me somewhere. Has anyone had any luck going this route?

I requested that Asset Acceptance mail me verification of a debt (a utility bill from 1989 that they claim my husbnad owes on from his college apartment) and they sent me a letter saying they were happy I wanted to settle this but they provided nothing in terms of dates associated with this debt so how can I prove the SOL is up? Should I contact Asset Acceptance for more information and how? I sent a form letter for verification of the debt. Where do we go from here?

Can someone provide a sample letter to PDL companies that will result in being able to arrive at affordable payments? I have already paid almost $100 over the amount originally borrowed on one and they say they will set up arrangements for the remaining $450 if I first pay them $216 in past due fees??????????????????????? Help!!!

For payments that I have made, do I include the amount paid toward the principle ONLY or does that include money paid towards interest??? :arrow:

I just got off the phone with Town & Country and they are sending me my information packet by the middle of next week. The CSR's were so nice and helpful. I can't wait to get the ball rolling. I only gave info. on the online payday loans, should I have said something about the store fronts too. I am not having any problems with the store fronts.

Got a letter from an omni credit services in florida. I'm in Indiana. It's about an old cell phone bill. It's the usual collection letter with the the lines about no payment means further collection activity. Does a CA have to be in my state of residence to sue me? Can they get a judgement against me if they aren't even in my state? Or is all they can do just continue to bug me? Thanks.

if my credit isn't good can I still get debt consolidation equity loan to pay off debts?