Hi, My fiance and I are trying to get ourselves out of debt and work on finding a solution to our huge credit problems. I have decided that bankruptcy is really the best route to go for myself. I am 29 years old on permanent social security disability and I have over 20,000 in credit card debt that I used to pay medical bills etc. I am considering doing bankruptcy myself rather than paying a lawyer but I am told that is not an easy task.

Hi I am dealing with payday loan and installment loan hell. I need to know for sure - can a collections agency report you for check fraud if they cannot draw from your bank account? Is it illegal? Thank you!

Where, & When ? I have never bought from this company, never been in New Jersey before in my life!! I want to see my signature, and any other documents that I supposeably signed from this "Heilig Meyer" outfit !!!! Moderator Note: We are NOT Helig Meyer. This is a forum of people trying to get out of debt. Please pay closer attention to the results of your Google search. Also, I've deleted your account number. This is a public forum. You should NEVER post information like that on a public forum. ~OG

:pI am unemployment and don't make money so no income but my money saving is over the 150% poverty line of one person. My money saving is conside as income?

Hello. I'm trying to settle my HELOC with Chase. I own them $174,138.09. I'm about 42 months past due with my HELOC.On May 23, 2012 I received settlement offer of 5% ( $8,709.00) By the time of the settlement offer I didn't have the funds to settle with them.(I think it was great settlement offer).I only had $3000 on my account, so I send them counter offer for $3000 which they didn't accept. The offer expired on June 22, 2012.

What's a reasonable offer to settle a 3-year old debt that has been charged off?

What types of loans can you get to stop forecloser?

I would like to know how can I find out which pdl are illegal to practice in the state of Georgia?

Ok everyone please bare with me on this one. Had lots of loans with My Cash Now. Sent ACH revocation letter in April. They tried to debit out of my account but were not successful because my account was closed. Credit Protection Depot contacted me a couple weeks later. I asked for a letter of credit. They E-mailed me some stupid crap but I was then able to ask for a Debt Validation. Requested a DV numerous times by E-mail, fax, certified mail and of course no DV letter to be had.

This company called several weeks ago regarding a payday loan that we supposedly has taken out. It lead me to investigate my bank account and sure enough $300 had been deposited into it. And $90 had already been debited. I closed the account, notified my bank. When I called these people back they would not give me an address to mail a payment in and threatened with all kinds of charges ect. They supposedly sent a processor to my human resources dept which is not anywhere near my actual work site.