When a collector calls your house asking for someone who doesn't live there and never has don't say "No they aren't here" and hang up. That gives the impression that this is a correct# and gives a collection agency grounds for believing this number belongs to the debtor and that you are a liar when they call next and you say it is a wrong#. Also, never take a message for someone you don't know because you think it's going to get the calls to stop. It isn't.

I am considering going with Superior Debt services for $41,000 in credit card debt. They want to charge 15% of this amount to work with me. Is this the norm for most companies?

I previously had a discover card account that some collection agency bought. I was taken to a pretrial court a few months ago to meet with CA and try to work out a pmt plan. I told CA attorney the debt is out of sol. He insist that it wasn't and said we can go to trial, so i told him fine, because I wasn't going to settle on a debt that was out of sol. I sent them paper work to validate the debt that they bought from discover card and i have yet to get any debt validation such as when the account was opened etc.

:( I noticed that my PDL'S have interest rates between 650-780% and are not licensed in the state of Florida. Florida's allowable interest rate is 10% of the principle. Aren't their rates illegal? Please help; I'll so frustrated!!

At 13K in debt, I'm having trouble qualifying to rent a home for the next 12 months. My family may be without a home Oct. 1. I've made mistakes in the past, but I'm going to make this work. The choppy water behind the boat is the wake. You can not smooth the wake, but you can set a course for smoother waters. My vessel will reach a more bountiful shore.

I lost my job as a Computer Technician with an established organization and now have to rely on my own consulting business to pay the bills. My credit card debt is way out of control and I need help. Finance charges are insane! Carl

Hey there.... some of us are wondering...why don't you register here? Been talking to polly and others, and we're intrigued by your posts! Post a picture for us, huh????

I have sereral medical bills, an unlawful detainer, and others debts that i would like to consolidate and make one payment. thank you :D

My husband and I just got married in July and paid for our wedding by ourselves-- mostly on our credit cards. Now we have too many credit cards and barely enough money (and some days not even enough) to make the minimum payments. I've been late paying them and now our credit is so bad that we can't get a consolidation loan from anywhere?!?! NEED HELP!!!

Im a 25 year old single mother. I was diagnosed with cancer about a year and a half ago. Basically I have just gotten behind on alot of small bills. I wasnt able to work alot during my chemo therapy and so I was living paycheck to paycheck when I had one. My boyfirend left me because of the added stress of money and my illness. I have a couple payday loans I have out a storage unit bill of 300.00 so I cant get anything out of my storage unit at this time and a I need to find a place to live. I am scheduled to start back to college in october.