I'm looking at my current credit card statements and the urge to kick my own ass is quite intense. I wouldn't be so disgusted with myself had I not done this once already. Except last time I was only $10,000 in debt. This time it's almost twice that. But on a brighter note, I paid it all back before using a debt management program, and I will again. I just have to brace myself for the hit my credit will take when I enroll because that's what happens when you get help when not in arears.

I'm in there now. Come join me if interested plz! Ang

ok so here we go again! My husband has CHD and sees a cardiologist regularly. And also goes to the "same" hosptial for all work-ups and has for MANY years now. Back in February he has an ultrasound done on his liver as his enzymes were high. At the time of this test he paid for our portion of what insurance did not cover. Well, today i receive in the mail a bill from a collection agency! It's only for 54 bux but that's NOT the point! Why is it we have NEVER recieved anything from this specialty hospital but months later receive something from a collection agency?

Hi Karen, Your payment request is processed. Here is the snapshot: We are thankful to you for your active participation and help. Keep up the good work. Regards Vikas

I was hoping someone could give me advice....I am starting to fall behind on my min cc payments. I have not been able to work full time because of illness. I owe about 10,000 to a total of 4 companies. I am getting married next year and want to figure out what to do before I get so upside down I can’t get out. If I settle will it affect my credit the same as if I consolidate...or is it a lot worse? Also if my soon to be husband has good credit and I have bad credit when we get married will it affect him if we don’t have joint accounts? Any help would really be appreciated

I live in houston texas and have 5 payday loans in totaling $1150. I try to pay toward the principle every time but I have very little left to do anything. Food gas etc. What can I do?? please someone help.

I'm a debt collector for OSI Collection Services. I'm not here to ridicule or flame anybody, but to learn. You can, too. Ask me a question, and I'll answer it. Flame me and bash me, and I'll ignore you or laugh at you, and just move onto the next real question from somebody in debt who wants help, just like I do on the phones at work. So fire away.

I think this needs to be explained a bit. Recently, there are people asking about whether or not the reply they got to a DV letter is correct validation. I would like to see what everyone thinks of this. What exactly must a company send as validation in order for it to follow the fdcpa??

I got a call from Consumer Counseling of America. The guys on here seem like really nice people- and they were willing to help me. He explained to me the situation that I was in was totally understandable- tons of people have had the same problems - i.e 6 or more PDL's and falling behind on more bills because of them. He was really nice and totally had me hooked. Then came a phrase that halted me in my tracks. "Your file will go to the law offices of Richard A. Brennan". All I want to say here- is do a little research about Richard A. Brennan. Type his name into the research field here.

Hi! I got a lone from Onestep cash and i was wanting to get the number for them so i could call them and get rid of them forever, i am affraid tehy will wipe me out of all of my hard earned monies PLEASE HELP!!!