Here's the story in a nutshell: I owed Southwestern Bell telephone co. $118.47 in 2001 and put off paying the outstanding bill because I now live with my ex-wife. Well, guess what?

Hi all, well my situation is I made alot of bad mistakes in college, im 27 now. And in a few years I'm going to try to buy a home. My car just broke down so now i'm forced to purchase a new one with a credit score in the 560-570 range! ouch. I want to know what is the best way I can consolidate my debt into reasonable payments and fix my credit. Is it possible to get my score over 680 by the time I turn 30? Right now the only thing Im paying (in my name) is student loan and I have a premier credit card which I use about 20-50 bucks a month for, just to establish a little positive credit.

ive been readin alot about lnvn and their dv.. just curious if ANY1 has ever actually got a legal dv from them..i just sent them1 and am kinda curious if i maybe 1 of the lucky ones that actually may get a valid 1 from them?

Is the contact info for T & C a secret? I have been trying for a while to get it with every kind of email address I own and I can't get any one to reply with the info. I'm running out of email addresses. And yes I'm registered over and over. The response I have gotten is a referral to credit counseling of America and like every one else waiting on Hess & Kennedy, today my bank account and I are in a worse fix. I wanted help immediately so I authorized a bank draft for the fee immediately. But they were so slow, the NSF fees took even their fee.

I filed a complaint on Rio Resources with the Consumer Credit Division in OK. A man called me back and said that I needed to file with the Internet Fraud website. I haven't seen that on here but I'm going to give it a try. What does everyone think?

I was in a desperate financial situation and made the mistake of getting loans from internet payday loan companies. I've got 5 outstanding and now they are threatening to come to my place of business. Can anyone tell me how to check if these companies are legal in Illinois and what else I can do to get out of this situation?

Hi all- i have posted several things about my situation and i need some help still. I have over 15 PDL's and have defaulted on all of them. I seem to be just sliding by on money, i barely have any left over for gas and things of that nature. I am in a bind on whether i should file banruptcy ( i have already gone and talked to a lawyer) or if i should try debt settlement. I tried working with T and C and they didn't help me at all, i sent them the 155 fee and 2 payments and still had creditors and PDL's calling. I have had threating calls, threating emails, and etc etc.

is there such a way to borrow a consolidation loan to pay off the bank and some other loans i got myself into when i was 18 if so email me and let me know something because i dont have any collateral to put up

I have tried dealing with credit counseling of America and they took so long processing my account that all of my money was depleted from my account by NSF fees before they could even collect any of their proposed fees. Does anyone have contact info for T & C. I really would like to try their services.

I am trying to find out what the laws are in Mass regarding payday loans. Also, whether any of the following are licensed to do business in Mass. Impact Cash, United Cash Loans, CashNet, AIP, EZloans, Paycheck and National Money Store. Any help would be greatly appreciated.