Hello, I have about 30k in unsecured debit including credit card and installment loans. The interest rates have been increased due to a debit to income ratio the creditors did not considering my fiance and I jointly pay the bills. I have gotten two of the credit card companies to reduce by 50% interest which is still 17%. If this debit were a vehicle the payment would only be $600-$700 a month instead they are over $1200 seperatly and I can't get a debit consolidation loan without a house to secure the loan.

does anyone know the phone number for aip payday loans they do not put it on your bank account like the others i want to pay them off and can't find the number.

Any idea who these nls payday 12 people are? They seem impossible to find anywhere!

I need to consolidate my debt to lower my minimum payments.

I have read many of the topics on this forum and they are mostly about payday loans and credit card debt. I have only one payday loan, no credit cards, but about $5,000 owed to local finance companies, 8 total. The kind that have you promise them certain property (such as TV's, computers) to get a loan. I have been paying $645 a month in payments, not including the one payday loan. I am currently overdue to 4 of the companies. I applied to CCCS of Texas, through Credit Advisors.org, but they said they don't handle those type of loans.

I have pretty good credit, just a few black marks here and there..I've been working on getting rid of those things, and my credit should be excellent by this time next year. One of the black marks I have is an outstanding bill for an old credit card. At the beginning of the week, my mom calls and says someone left a message for me at her house to "call the office". They gave a number, that's it. So I called the number, and it was a collection agency named OSI. I then got into a 45 minute discussion with a man who kept calling me "dear" And "babe".

Barley Suviving with how much I make. About to go back to school full time this fall 2006. I want to be debt free so that I just have to worry about rent and food for the next ten months. When I think about saving, I never have enough, there is always another bill to pay. I need help learning how to manage my debt.

Hi to all the members, I got inspired by Blog_tintin's posts about blog promotions. I am planning to implement new blog features as soon as we have few more bloggers on the block. Anyone who wants to have a blog with a customized template and high traffic please contact me. Vikas

I have a credit card from Aspen the bank name is First & Trust but there are no banks like that around were I live. I would like to pay it off but just don't know how to do this online please help me out. Thsank you. Dolores

It all started when I lost my job in 2002 while struggling through my divorce. To cover my bills I took out cash advances. It was fine for awhile until I took out so much that I was only able to make minimum payments and wasn't gaining anything. Finally got a new job that paid well enough that I was able to start nipping away. After cutting away at the bill things were looking great until about 3 months ago my cousin and life-long best friend past away from a rare incident of 90% artery blockage to his heart at the age of 27.