I am consumed in debt. My dept is more than my retirement benefits, I need help and guidance!

I have a huge amount of credit card debt, $70,000. Yes, you read that right, not a typo. This is all of my debt, no car payments, house payments and only a few other bills. I was making more than the min. payments, now I'm not going to be able to make even the mins any more. The reason is this: the one card, Citi, I had 34,000 on with a 2.99% rate. I went online to make my payments as usual and my account was locked. It said that my account was reported for possible fraudulant use or theft and was closed.

Does anyone have a POC or some way to help me get some money back from World Wide Cash? They haven't responded to any complaints I've filed with the DFI, BBB, AG, or FTC, but I think they are just not putting anything in writing, because they stop taking payments even after I agreed to pay off my last loan...so it tells me they are scared now. I did ask a rep over the phone before this about a refund, but got nowhere...this was before the complaints reached them. Should I try faxing? I don't want to call again. Any suggestions?

:shock: :shock: :shock: :shock: :shock: I swear I need a new hobby because being nosy is getting costly.Freakin $83.00 in april & now $45 in July.Sheesh!I love that website but my addiction is beginning to dig in my play money. :lol: :lol: Ok end of rant.For those that don't know Pacer stands for Public access of electronic records and is used by the Us Federal court system. I use it a lot in my research projects. :oops: Can't believe I viewed over 500 pages in the last month. :shock:

I live in TN and I currently have 4 outstanding pay day loans AIP (American International Processing) - 378 Best Pay Day Loan - 250 USA Payday - 390 Pay Day Services - 260 AIP is threatening to report me to the authorities if the do not receive payment can they do this. Will the other companies be able to this also. What can I do.

Something that they do is use a predictive dialer for out going calls. If they call you on your cell phone with a predictive dialer they owe you $500.00 end of discussion. That is a violation of the Telephone Consumers Protection Act. Make sure you document the day and time that they called you on your cellphone and wait for your bill. When you receive your cellphone bill fire off a letter telling them that you know that they broke the law with a redacted copy of your phone bill and wait for their attorney to call you.

I am leaning toward enrolling in a debt settlement program and have researched a few companies, but I'd like to know if there are any that come highly recomended or highly warned. I've searched them on the BBB but it's still a nervous decision. Any referrals are appreciated!

I am trying to get my bills paid off sooner then what it would take on my own

I have stuff on my credit that has been there for 2 to 3 years and I don't know where to start. Will you please help me get started on how to improve my credit. I don't have all of my bills but I have some.

anyone have any experience with Benjamin & Williams? If so, how were you treated, etc?