I can't sleep because of this mess, so I wanted to see if anyone could offer some advice.

My husband and I have made a lot of bad choices and kept getting ourselves further into debt, well it has finally caught up with us over the last 2 yrs, the debt is a combination of credit cards and home equity loans, this is really scary because we are barely treading water. Does anyone have any advice on how to get started.

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You should be ashamed for promoting to america that accruing debt and not paying it is ok its the american way right, wrong I work everyday (as a debt collector) to feed, cloth, and take care of my family, nowing there are people out there that are sitting on their a55es living off my tax dollars and not paying the bills they run up, yet Im a bad person? You should actually make a visit to a collection agency and sit with us and see what its like. Why should we try to make someone pay a bill they ran up right.....uh duh!!

Dear Folks, I would appreciate any help .I am in credit card debt. Currently I am behind about three months in payments for the following credit cards: 1.Citi Bank-a little over $4,000.00 2.Bank of America-$2,000.00+ 3.HSBC(Orchard Bank)-$700.00 I lost my job due to a substance abuse problem. I went to and completed a program at a Drug and Alcohol Treatment center. I am also currently receiving treatment at a outpatient facility. I am awaiting Public Assistance as well as about to start school to find a better job.

1ST INVESTMENT SERVICES 30 or it maybe First Investment Services Thirty or thert y has anone heard of them being a orginal creditor? i seen this on my credit report and am curious as to whom they are????they have a Credit Bureau of North America???? but CBNA is out right lying saying it is a providian debt i feel 1ST INVESTMENT SERVICES 30 is a junk debt buyer trying to scam for a old debt.

[centerI have a friend would defaulted on a loan MAGNUM sent it to collections about 2 months later and reported it to all 3 Credit agencies.. Are they Legal and Licences in Delaware?? And If so has anybody settled with them for less then what they owed?? What are my options If I close bank account. I live in CT and owe them 2 more payments of $230.55ea on a $600 loan which I only received about $400 plus they paid the alst payment on previous loan.

In July of 2002, we refinanced our house and paid off liens on it, many were medical bills. In October 2002, a collection attorney contacted me on some medical bills. I told her that I would check to see if these were paid or not. While contacting these debtors and awaiting correspondence, I was contacted again by the legal office and rudely forced to pay large amount of money (2100.00) to start up a payment plan.

Does anyone know anything that can be done about cash call. I am wondering if you can do debt couselling with them or not?

Okay. If you remember, I received responses from my state AG on every pdl complaint I filed. They gave the pdl's 30 days to respond. Gee, today I got a fat envelope from the AG's office. Copies of 7 pdl's that never responded to the AG's letter. Hmmm... and MTE Financial was one of them? Hmmmm......am I surprised? So the AG sent a second letter to the pdl's. This one is a bit more stern, stating consumer protection, they will step in, etc. I still have others that I'm waiting to see if they respond to the AG. I'm sure they won't. They're all illegal!