How does this community program exactly work? Where do I start? Is it the debt cc donation? Explain details please!

Just found this site: I hope someone can help me. My husband and I have gotten ourselves in to deep with payday loans. Is there any advice on how we can begin to get out. It's like robbing Peter to pay Paul and someone's gotta wait. Help....!

Ok my trusty little helpers.... I got a certified letter from the Franklin County Court listing me as a defendant against Cashland. Now, there is no court date to appear or anything like that. It just lists Cashland versus me and lists the amount I owe. It says that I have 28 days to return a response. If I do not show up (again NO court date is listed) or defend myself, they are going to assume the debt is correct. I have emailed and left a few messages to Cashland, but I have not received a written response (like I requested). Has anyone experienced this?

Talked to a wonderful representative named Manny from the company Consumer Credit councelling of America. Even though he had the right answers for me, and assured me that everything is going to work out, I can't help but fear that I am getting scammed. Don't get me wrong, this finally seems like a light at the end of the tunnel, but I just am hoping to get a few creditial testimonials from you guys with this company. I just need some reassurment that I am making the right decision.

When you receive a first notice of a debt collection and it says you have 30 days to respond when does the 30 days begin? When they date the letter? The postmark? or your receipt of the letter? What if the address is incorrect? Previous address, you filed a change of address (up to 10 days to be forward) and your Credit reports show the current address.

Anybody had any dealings or heard of this "group". They are representing First Resolution Investment Corp. who is trying to collect on a Citibank card from almost 4 years ago. SOL expires 8/21/07. I have requested Validation when FRIC first contacted me, July 06, and they did not respond, but another company acting on there behalf sent a letter in Feb 07 and when validation was requested from the new company they disapeared. Now G&W has contacted and once again I have requested validation.

Long story short, I have about 8 old credit cards from when I was in college. They're all maxed out and I haven't been able to pay on any of them in over a year. They are marked Charged off on my credit report. However, recently, I've begun getting a few collection agencies calling me trying to get payment. What does charged off really mean. The two that are calling me are trying to get me to settle up, which I'd love to do, but I'm still struggling financially and just can't pay more than twenty or so dollars right now.

How late do you have to be behind on payments for them to start saying that they will come take your home away from your or your car? I have never been late before in my life but now we are behind two months and they are already threatening to foreclose my home and take away my car because of late payment. I have been making payments but just not on time. I am so scared to lose my house. This is all due to a new addition to our family and less funds, not because I'm lazy and not working. Any advice would be great.

I borrowed $300 over a year ago from (what shows up on my bank statement) Timberhill Invt-Loanshop. I have lost there number and twice a month for the last 13 months they have been debiting my account $90. Totalling almost $2500. Is that ok for a lender to do that? If not what can I do? And how can I stop them from debiting my bank account?

iam needing some good advice on debt. i have been with two companys you should say. one was a naes. where you write letters disputeing your debt. over and over. then again nothing. got me more in deep debt. then i went to bud hibbs. gave him my money.and i havent heard nothing back. i guess no word is good. but i would like to know how things are going. can anybody suggest something please. iam need of help before i sink. i need attetion here and dont even know where to sign in for this site. thanks for reading