Before I was married, my husband-to-be and I filed bankruptcy together. At the time, (this was 1992) I was young and naive so I let him handle everything. Since the divorce, I got my credit report and all the items he should have filed on are still showing, as well as the bankruptcy itself. I don't know if it has ever been discharged or anything. The attorney has since died, and I can't seem to find out who would have my records. I'm not sure if that would matter anyway, as he was also my husband's divorce attorney. Maybe there would be a conflict of interest now?

I live in Kentucky and I'm very confused about the whole SOL thing. I have a few credit card accounts that was opened in Jan. 2001, and June 2001 and I haven't made a payment on either of these accounts. How do I calculate when the SOL will expire? Is it from the Date Opened, Date Reported or Date of Last Payment? Any help would be greatly appericated. Thanks. carebear.

Hello everyone, this is my first time here. I stumbled onto this forum when I was researching a loan company called Personal Financial Services, which I am now going to stay away from. My story is probaly going to be familiar to many but I am pretty stressed out and dreading everyday. Currently I am not working and have no savings. I am behind $1,200 on my rent, have one payday loan for $565.00 which is due on 6/15/06 and that I have no idea how I am going to pay. I have outstanding cell and land line phone bills and utility bills.

Does anyone have any experience with this company?

Hello, happened upon this site while trying to figure out how to get out of the payday loan cycle. It's great to know that i'm not alone...I checked into withdrawl activity in my checking account and am finding withdrawls marked NLS Payday 12, any ideas who this is? Any directon would be appreciated.

Why do PDL's not supply 1099 forms to report on your year end tax return? Every legit loan I ever had always supplied a 1099 at tax time. Are PDL's not reporting earnings to the IRS? :idea:

My Debt Story was not brought on by a lack of money, but by a lack of judgment. It all started in 1999 when I filed my first extension on my Taxes. The deadline came and went. Right after I filed the extension I started playing video games online. I spent from 3pm until 1-2am or later playing non stop. I put my bills aside and before I knew it they were starting to to add up. I paid a few off but then I became even more addicted to the games. My taxes still were not being done. In 2004 the IRS prepared my 2000 taxes and claimed I owed them 13k dollars.

Hi, Can anyone give me an example of a debt validation letter? Thanks Kathy

I received a call tonight from ER Solutions in Renton Washington. This was the first time I spoke with them. Last night they left the first message for me on the phone and I had no idea what they were collecting for and wanted to do some research before calling them back. They say they represent Citibank/Gateway for a past due balance of $262.45 on an account that I thought was paid off by a Consumer credit counseling program I was in for several years. (It is possible that they are right.

I just got a voicemail from my DS place... they called to ask if i could pay anything on my discover account to avoid litigation. i haven't called them back yet, but this really really ticked me off, i'm already paying each month what i can afford (actually a bit more than i can afford) to the debt settlement people. Since i'm just now two months in, well, i don't have anything built up to pay them anything. i suppose I could get a few bucks from the folks, but it's gonna be a sad, sad amount. is this normal? throw a few crumbs to keep the wolves off your back?