Do you prefer carrying cash, debit card or credit card? What is the best option while shopping for holidays?

got caught up in payday loans trying to keep my other bills paid. Now my bank account is $280 in the red and every day there is a new withdrawal attempt with NSF fees. I'm getting calls from all over the world and most of the time I can't understand a word they are saying. I don't know where to begin to dig myself out of this mess. Can anyone tell me where to start?

I start my home lone payment $610 as intrest only. now my first is $1200 and 2nd is $560. my bring home is $2000 . i have 3 cridet cards i am done with all of its one is $20000 ,$10000,$6000. i got all the limts of it ,i never have late no bank rupcy yet for 6 years since 2000 which is my start with the cridet cards.

any one on the form to night? i need you guys to tell me this, who i s sonic a company called me to day and said they were from sonic i dont know who they are i never got a pdl from this company maybe they are alias someone else, help please and thank you.

Can a collection co. after a settlement in court, try for a garnisment. Even when we payed part of the judgement. Which is agreed with in writing. Thank you

I had 5 internet pdls that I have overpaid. I sent certified letter to all, withdrawing ACH. I received notice from One Click, PayDayOk, and Avantis(Tremont) that accounts would be zeroed out, but no refunds issued. USFast Cash and Route 66 sent email that debit returned and I still owe amount. That was on Dec. 5th for both. I got one phone call from Route 66. I told them my account had been overpaid. I have heard nothing from either. I have filed complaints on all companies with my AG and Department of Finance and just waiting to hear from them.

Ok, long story short, I had been very stupid in the past with my credit. It was part upbringing (bills always late), part irresponsibility, and part stupidity. I attended college, have a bunch of school loans (about $25000) which I defaulted on. Reason being that I had no job, depressed, new in the city, etc. Basically, I let it run out and get bad. I also have about 12,000 in small medical and collection accounts. I have NEVER had good credit, and everywhere I turn, they won't give me credit because of the stupidity in the past.

i have about 16500.00 in debt through different sources including small loans, car loan, credit cards, and i would like to lower my intrest and make one payment, my car loan is only 7.5% but my others are around 18 percent. i pay about 900 a month. i am active duty army, and i should have a decent credit score. thank you, michael.

Just wanted to share with you all my experience with a debt settlement company. I was in "program" from Jan 06 through Oct 06 before I realized how much money I was wasting on them. I wanted a solution other than bankruptcy for $27000 in unsecured debt which is how I got hooked up with a debt settlement company. My minimum payments for the unsecured debt had doubled thanks to the new banking laws, and I was slowly slipping into a hole. I had only 4 credit cards with the debts totalling $27000.

trying to settle acct *************** Account number removed for your safety-Jason