Hello Everyone! :D Does anyone know of an good non profit debt consolidation company that takes on all kinds of bills not just credit cards?????

I am currently employed in Monmouth County and have alot of debt. My total debt is $132,000 in debt. Our combined monthly debts are exceeding our monthly income since my Husband has been on NJ Temporary State Disability because of major health issues. His income is $962.65 every 2 weeks and my income is $1112.43 every 2 weeks. Is there a way I can get on top of this over-whelming debt. I am losing sleep at night over this. I have incurred alot of this debt on my own in my name.

Can anyone tell me what affect settling debt will have on my taxes? Anyone have this experience? Were you taxed or given a 1099 on forgiven debt?

Hi, My Name is Linda and I live in PA. My husband got a notice from afni stating that we owe $153.09 to Verizon at a very, very old address. It has been at least 7 yrs. Can they still come after us for that money? I thought that the statute of limitations was 4yrs for PA? Thanks for your help.

Anyone have any information on Citimortgage, they just bought out the company that I have my mortgage through. Just curious if anyone has had any dealings with them?

Trying (unsuccessfully) to look up something, I came across an interesting collection atty's site. This guy seems to have a fair and balanced (not the Fox News version) approach to debt/credit/collections. Although, he did consider the FDCPA/FCRA a nusince, which is interesting, as they represent consumers against CA abuse... If anyone wants to take a look: http: //www .creditor-law.com/index.html

question? has anybody ever written a bad check just to stop a utility bill from being turned off. if so, what happened.

I live in Az, now based on my credit report dated 9/12/06 it shows last payment 12/2003 but date reported as 09/2006 so which of these dates is the start date for the SOL.

Hey there........ Can someone tell me a little bit more about United Cash Loans? I've just now started with my closed checking account and they're the first ones to give me problems.......what am I up against?

Have anyone use DebtWave credit counseling? If so, are they a good company?