I have some old credit card debt that I want to pay off. I was think of doing a settlement pay offs. Is this the best way to go? Does anyone have any Ideas. My debt has been on my credit report for at least 5-6 years email address removed as per forum rules - Mike

I am depressed because I am unable to pay this month my payment to debt settlement. This is my first month in 8 months. Reason being???? :cry: I damaged my truck this morning and backed into a chainlink fence causing 300.00 dollars worth of damage. I called debt settlement and they are defaulting this month and I am not penalized for it. They tried to assure me that things sometimes come up, however I am severly depressed over the whole ordeal. Payments are to resume as usual for month of July. Am I being to hard on myself?

before i see a change on my fico score? It was one of two collection items that sent my score south. How much will my score change after that deletion?

Does anyone have a # or address for these people? There's a website but non of the above! Are they affiliated with Rio Resources?

Has anyone had in communication with Pentagroup Financial who is representing United Cash Loans? I just has a AJ Linstrom just call me and tell me that if I don't pay the balance in 1 hour then he is going to submit his report to United Cash Loans for further action. Can anyone tell me what he is talking about and if they are truly a CA? HELP!!!!!

when i send the validation letter to the CA should I include my social security number? it's an item from my credit report i'm requesting validation, not from a letter received. Thanks!

Has anyone ever been sued by chase or MBNA? How long did it take for them to sue you? I know that every company has the right to sue you but I've heard that Citi is usually the only one that takes the time and funds to do it.

I have a couple of loans with storefront PDLs that I am not going to be able to pay by the maturity date on the checks. I am going to close the account that the checks are drawn on so I won't get a bunch of nasty NSF fees from my bank. So after I close the account should I contact the PDLS and advise them that I have closed the account and I want to set up a payment plan or since I am going to enter into debt consolidation should I just wait for the debt management company to deal with them, even though that may be some time after the checks are due?

If anyone can help me find laws regarding payday loans in Pennsylvania, I would appreciate it. I tried doing searches but couldnt come up with anything. I would like to send letters out to my payday lenders. I have been with T&C for several months now and also have been paying the payday lenders before that. My balance left for each company is still about the same or more and it feels like im not making any progress. Im pretty sure most of them have already been paid off if they followed the laws. If anyone can help I would appreciate it. Thanks in advance

Can anyone provide me with the address for Creditors Exchange