I love this site, there is so much information to be found. Thank you.

I joined Gold's Gym 2 years ago... I went maybe 15 times and then discovered I was pregnant and on doctor ordered bedrest. I signed a 1 year contract for 2 memberships to the gym and I didn't fight to get out early. I paid my fees as agreed upon up until the 1 year point. I went to the gym and signed the paper work to cancel the membership. No additional payments were drafted from my bank account afterwards, so I assumed that the membership was over and done with without any issues.

I gave birth to my first child in May of 2005. Much to our surprise we are pregnant again and due any day now with baby #2. Both of these pregnancies were high risk and I was on disability for the majority of the 9 months. We have accumulated about 10K in credit card debt (on 2 cards) over the past two years due to me being out of work. This debt isn't old and I've been squeezing and pinching so we can make our min. payments. Will we be able to get our debt or our interest rate reduced if the account is in good standing and the debt isn't old? I am so new at this... KM

Hi, I joined this board in October last year and it's been tremendous help for me. My credit is not very good; however, it's not bad also. I am trying to improve my score. My question is, how often should I check my score? Should I check all the three scores? Is there any cheaper way to check my score regularly, if yes, how can I opt it? Need your help. Thanks Erin Please participate in the poll

Debtcc blogs are having numerous comment spam these days and the spammers are finding it a wonderful place to work with.

I often see people saying that my score is 650 OR my score is 590. Does it make any sense without mentioning the name of the credit bureau? Or there is a default credit bureau? Just curious.

Hi: I have an interesting situation. We lived in an apartment for 5 years, bought a house, finished out our lease, moved out. A couple of months later, we received a collection notice, telling us we owed $3,000! We had problems with our complex being sold 3 times in 2 years, and new managers each time. This last time the manager told us to "go out to eat" when we told her our stove shot sparks when turned on (just to give you an idea as to why we moved), and other such responses. All of our written requests for maintainance were regularly thrown away as they reached the office.

If I tried several years ago to consolidate debts and continued paying for about a year, but stopped for a few years, is it possible to get someone to allow me to consolidate again?

I received a call from a company named Prelitigation. They told me that I had to send them 580 dollars as a result of getting a payday loan from a federal company, and that if the payment wasn't sent before 4 eastern time that charges would be brought against me. I sent the money out of fear that I would get charged with something horrible. I then recived a call from the company they said they were representing and this company told me that they dont hire lawyers. What am I to do?

Hello, I've just received th court papers that my CA sued me. I was surprised because eventhough I received letters from this CA (Resurgent Financial) once in a while, they didn't really bug me much and now all of a sudden, I got served!