Have a great one!! You old Capricorn!!

Happy Bday to You!! The Dolphins rule!!!!!! Have a great one!

last year i made an agreement to pay FCinc $400 a month for a $3600 debt i owe. times are tough and i have been sending them $100 a month for the past 10 months. Now they say the want the remaining balance of $1400 paid in full or they will sue me. i don't have the money to pay it off. what should i do?

don't collectors have to notify the debtor that the are going to sue for a debt before they it actually happens? Don't small claims require this before they honor a judgement?

Every year around the holidays people sign up for credit cards and max them out to the limit buying presents for family and friends. I thought I would post a little helpful advice if you find yourself swamped with credit card payments. If you have insurance on your credit card and you need to get it activated you MUST call before your payment is past due. If your payment is past due then the insurance will not activate and don't let any customer service rep tell you that it will be because believing that you will find your send 90 days out and then into a collection agency.

America had often been discovered before Columbus, but it had always been hushed up.

Well if anyone is out there, I got cut one more time from my waitress job tonight, not enough business so I am "on call" so to speak. This is a mom and pop pizza place that is situated in an older part of town in a dead strip mall (the smaller Wally world relocated to a new SuperCenter in a new developing part of town) so anyhow the pizza place does ho hum business. A Cheddars (anyone know this restauraunt?) is opening probably by the end of January in that new developing area so I will probably apply there for a part time job.

How much do these services{debt consolidation) on the average cost?

So I went to my mailbox, and lo-and behold there was a packet with "Chex Systems" on it. I opened it up, and then I remembered that I had submitted a form online requesting the information (my file). So I went through it and WOW it's scary. Theres about 8 banks that list me, some for small overdrafts ($87.00) and a few bibgger ones. So now I don't know what I should do. Should I call up the banks, get amounts owed, and make arrangements? Or should I just call Chex Systems? Also, I see that there were about 6 inquiries with IBC (bank) within a 3 day period, all of which I didnt do.

i have two credit cards. one with 6000(6039$ now that they have given me late fees) and one with 1039$. both have a intrest rate of about 22 to 24% i just signed up at this site and i really need to consolidate my debt. will this site call me soon and help?