On Aug.10th LTD Financial Services received my DV letter. They had tried to bill me for an old account that I had with Peoples Bank (Peoples is no longer Peoples). They stopped calling and I have not received any other communications from them since then. Should I send a second DV letter or should I just sit and wait :roll: :?: LTD has not listed anything on my CR so I am ok there.

Does anyone have any recommendations as to a superb debt consolidation company for credit card debt. I believe we are up to our ears for about $30,000. I would like someone I can work with online and that won't just stock pile money into a savings and then pay people off. I would also like something that doesn't take my first payment just to cover their fees. Any info would be great esp pros and cons of these companies. Much Thanks!

A collection agency is contacting me for money the insurance company won't pay because the dr office didn't file in a "timely manner". The insurance company said I wasn't responsible, it's the doctor's fault and since they are a contract provider, it's a violation for them to ask me to pay. So in April I got the first collection agency letter and I sent a letter that the debt was not valid. I got another letter in June asking for me to pay the bill, so I called and left a message stating I had sent them this letter which they received on 5/10 and not seen anything back.

God?!?!?! Is this for real? A man has filed a law suit against God for hurricanes, loss of life, terrorist acts.... Aren't our court systems jammed up enough without foolish suits like this? Wow, jsut wow... Ang

Anyone heard of doing five years? I am getting mixed information on whether or not creditors will go for this without taking me to court.

I am being constantly called by Love, Beal & Nixon in regards to 4 debts that I have, three credit cards (capitol one's) and a voluntary repossession on a Lemon Ford Explorer with Ford credit. The company I worked for pulled up stakes and went over seas and with just my husbands income there was no was to meet the obligations, trying to work with the companies was a disater as they just kept adding late charges and over the limit fees each moth that they billed me. I see no other alternative now but to file chapter 7.

Now, Fire Finance (Financial Independence Retire Early) is a well maintained blog and as they put it, "Our expertise is on profiling products and concepts in the domains of money management and personal finance, namely: banking, brokerages, budgeting, charity, credit, deals, free money, financial theories, frugality, investing, research, retirement, taxes, and tools that will aid one reach FIRE at the earliest." This blog has got some well researched and well formatted posts on those topics.

because i was young and dumb i got into credit problems and never paid back the credit card companies. it's been 7 years since i avoided paying and it finally caught up to me. just recently i received a notice saying i had default judgment against me for 2k dollars. 1k in interest and attorney fees. finally it has caught up. i know other comapnies will follow suit. it going to get worst as a just started a job after of going to school. i don't know what to expecte now. what is going to happen after the judgement how long before the go after my bank account that has 4 dollars in it for years.

Is it possible to negotiate with Payday lenders or is it better to work with a consolidation company that works with PDLs? I have several: Buckeye Checksmart 590 storefront Magnum cash 686 internet Infinity Financial 480 internet Checkstop of Utah 400 internet cashnetusa 875 internet I do think that the internet lenders have a license in Utah (where I am located), but I'm not sure. Any help would be appreciated Thanks Melissa

I have 5 outstanding payday loans. My little house of cards came tumbling down at the end of August, when my purse was stolen and I had to close my bank account and open a new one. Of course all of those loans were coming out, and I didn't know what to do. My bank advised me to close the account as protection against not only the purse theif, but also the payday lenders. So...at this point all 5 loans are "in default." I sent little payments to all of them via either Moneygram or moneyorders on Friday 9/14/07 and advised that I would send another payment on my next pay date.