Who can help with consolidations

Well, most of you know that I am working with a debt settlement company and this is coming along fine. There were two small credit card bills that I didn't place with them because the amounts were too small. Well, today I paid one off!! It was a small amount but a triumph in my book!! That is one less thing to worry about :-) Slowly but surely we are becoming debt free. 8)

Well, I pulled my free annual credit report last week. I came to find out one of the payday loan companies that wrote off my balance after sending it to collections is actually on my credit report. Well the CA is so I disputed the item since the CA was aware that the balance was written off from the original creditor. I have a letter from both the original pld and the CA stating that there is no balance and nothing would be placed on my credit report. Well, the information was updated in August so that was a big fat lie.

i have already gotten a consolidation loan and didn't watch what was going on. now i need another to include the one i got and i don't know if i should or just tuff it out.

I am trying to get some help with my debt and the last place i contacted did not deal with citifinancial. Any suggestions, does this site honor those debts??????

When dealing with a SOL account, what do you forward to the collector first, validation or sol letter? What steps do i need to follow? Will welcome suggestions on this matter. Many Thanks.

I have increasing debt and needed some advice on where to begin with debt consolidation care? What questions do i need to ask, etc.

Ok I sent out my faxes, letters & emails on all the payday loans I am dealing with. I live in Florida and according to the Florida Usury laws they can only charge me 18% if I read them right. Here is a response I got from Cashthis.net. Quote:

09/25/06 The usary laws in Florida state we can charge up to 390% apr and a Verification Fee. We have decided not to charge any interest for you and make your total balance $450.   On the verge of going over anonymous 18 years 11 months ago I have several credit cards that because of medical expenses and other unexpected things have now become maxed out. I am barely able to make the minimum payments every month and am starting to fall behind. I really need to consolodate everything and work on paying them down, but regular banks won't loan me the money to pay off my credit cards. I would like to just cut them all up, pay down the debt, and start over, but if I don't figure out a way to do that soon, I'm going to start becoming delinquent on everything.   Student Loans anonymous 18 years 11 months ago My wife accumulated around $12K in student loans while in college. She has not graduated and has not received any coupon books or notices of debt due. Today, we recieved a letter in the mail stating her account has been sent to collections. The principal is $9445 and the interest is $710. We would like to pay this off as quickly as possible with $125 per week in payments. My question is this: How much should we tell the agency rep without obligating ourselves to this amount?