My husband and I have over 17000 in CC debt, plus 2 vehicle loans and a student loan. We are just getting by and have just missed our first CC payment this month. Is it true that they could really cut the amount we owe and lower our monthly payment? If this were to happen I think we could make it. It seems too good to be true.

I got all three of my creditreports.On two of them it shows that I have two collections to be removed 11/2007 @12/2007.On the third report it has them to be removed 7/2007 @ 9/2007.I'am confused how can there be different dates? Which date is the true date? I'am afraid to contact the credit agencies,if they contact the collection agencies the may try to reage the accounts.So,what do I do ? :(

I had a pdl with nationwidecash.com. for $400.00. If I understand Arizona laws correctly they can only charge me 15% in fees and charges which means that I would owe them no more than $460.00 maximum. I have researched this company and find that they are not licensed under nationwidecash.com or nationwide anything in Arizona. They have badgered me by phone calls on my cell phone since I stopped any payments on my checking account for them when I found out they were way overcharging me for their services. They originally wanted $520.00 and now they want $820.00.

Hi, My estranged husband (I'm legally separated in Maryland) is planning to claim chapter 7 bankruptcy to include our marital property, although I have always solely paid the mortgage on time. He lives in Virginia and has never lived in the property. How will his bankruptcy claim affect me and what can my mortgage company do to help me to remove his name? I have contacted my lender's legal department via letter, but waiting for a response. Also, I will be hit with a pre-penalty if I refinance early. Immediate advice would be greatly appreciated. Thanks.

The Bar Assoc has also been receiving MANY complaints against this firm. I used them 2 years ago and they are corrupt, took my money and I got sued! I called FTC and official there said they have received other complaints. If you are a victim of there debt program call FTC and file com-plaint, call 1-382-4357

ok so I am a dork...when I try to look at the avatars to add one...cuz yours are all sooo way cool, and I want one too! All I get is red x's. Or can I add my own pic and how? Guess I slept thru the "computers are your friend" class. :wink:

I went to school at the Art Institute of Seattle and my student loan monthly payments are way to high for me and Im late on my payments for them. I want to consolidate my private loans so that I can pay a smaller amount. I able to pay 300 per month on my payments. Also the intrest rates are too high for me as well. I dont want this to ruin my credit.

Can you also request a compamy to validate or is this only for ca. The reason i ask is there is a one bank on my cr that i havent heard of so i was going to send them a validation letter. But need to know if i can because all i have seen are for the ca.

is this a legitimate business because we're having trouble with them and my husband doesn't want to make waves. They say he signed a contract with them.