Hi, My name is Alicia, I'm only 20 years old and yes already I'm in debt, I'm currently a student, and now that I'm unemployed I can't pay of my credit card bills, and as time goes by the interest rates and late fees keep on adding up. My open to buy amount wasn't even more than $500 and now I owe alot more than my spending limit all because I couldn't pay them on time. I need help, I want to get my credit back in good shape, so I decided to start here.

What do i do about a letter I received in mail saying I have to pay 12000.00 arbitration award to MANN BRACKEN?

If you make an agreement with a collection company to pay with post dated checks and the collection company tries to cash the checks before the day you agreed upon what can you do?

Do they recycle your accounts after they have beeen paid and charge you again?

Anyone have a contact number for ASG that actually works?

I am considering consolidating my pdl debt, and want to hear from anyone who as worked with either of these companies. Do you recommend them?

Hello, i am really hoping someone will be able to provide me with addresses that will get me some respones. After visiting this site and seeing and reviewing all the excellent advice offered. I would like to write debt validation letters to pdl co in whom which i have defaulted in or have paid off or made payment arrangements(in which i actually paying double what i borrowed, this i found out after reading this site). The pdl addresses i am in search of are Cash Transfer;Us Fast Cash; One Click Cash; Cashnet 500;National Loan and TenDollar PayDay.

i have missed a few payments and got behinde and now i need help to fix it

I have a few questions. 1) How would I get in touch with a company called Unifund Corp.? 2)Unifund is reporting a debt that was incurred in 2002 as a charge off. The origanil CC was issued by Providian. Providian has reported it on my credit report twice, and Unifund periodically updates my Credit report with the same debt, so that it appears that it never reaches it's SOL. What this means is that I have 3 negitive reports on my credit for the same debt. Unifund has increased that dept over $2000.00 above the initial charge off amount. We have no contact info on this Unifund Corp.

We are in the process of filing a chapter 13 bankruptcy......we do not have a case number and are desperate to find another solution. We have quite a bit of unsecured debt.....that is all we have. If you are able to help us, please get in contact with us. Do to file on monday, thank you for your time. Sincerely, aaron and amy nelson