have a combined debt of 20,000 on 2 cards and a loan. pay 140pm month for loan and 130pm for credit card 1 however credit card 2 are charging me repayments of 270 oer month which i carnt afford. i do owe them 9000 however i was divorced last year and as part of the divorce procedure i have a 9000 charge in a property however can only get my money at certain period EG house sold, children are 16 exc so at the latest it could be another 12 years. would the credit card company accept this as full payment if i transfered the charge on the property over to them. please help thasnks

Hi All, The Payday Loan Avenger has completed 1000 posts in debt consolidation Care forum and is the next candidate for DebtCC Hall of Fame :D As usual, we are starting a poll for her. Community members are requested to participate here. Once 10 'yes' votes are posted with 10 positive reviews, she will join DebtCC Hall of Fame. She has been very helpful to the board and has posted lots of useful information here. I am sure she will get a huge support from the community.

New Question: If I personally wrote some creditors requesting verification of original debts and I get a return receipt back in the mail, but I never get a written response from them-what happens? How do I then let the credit bureaus know that 30 days has past and I have not heard from them? Do I have to mail the credit bureaus copies of the return receipt cards? Even so, how does that prove they have not written me back?

As soon as I walk through the my front door today, my father in law hands my husband a msg that a "Nelson" called and told him that he had a "hot check" and would he give the msg to my husband. So he did. My husband calls him and this guy "Nelson" says that my husband bounced a check with his payday loan company and then begins to tell my husband his social security #, date of birth, etc. in order to verify that my husband did take out the payday loan online from his company back in July 2005.

Hi All, I have had some success in the past two months (and have actually enjoyed) repairing my credit report. I have disputed several items that were older than 7 years or were duplicates and got them removed. I have a couple of pesky ones left that aren't as old.

I have been reading the posts in here and I'm totally confused about my situation. Bank of America has sent my account to a lawyer because they say I'm in default. I have been paying them $80.00 a month on a $3991 balance and they send me a bill every month. I have 15 consecutive months of proof from my bank. I can't afford to pay them the 1600 dollar minimum payment they want, but I have sent them three letters asking them to please negotiate a more affordable option so I won't be considered in default.

I'm working on cleaning up some items on my report that are incorrect, and I'd like to check my new scores, but I'm afraid each time I do that, my score will go down. I had student loans that I'm told were being removed...but when I had my mortgage guy pull my credit again, they weren't gone, and him checking dinged my #. Is there any way to monitor my progress without affecting my score? I'd like to be confident that they have improved before applying for things again. Ideas?

As of June 1, 2006 there are new laws in place in the Province of Ontario. Check it out. http://www.mgs.gov.on.ca/english/ministry/releases/nr060106-b.html

I have some payday loans with companies in my state of washington. I have check the bbb to see if they are licensed in my state. A couple of them came up but there are some that say that they might not have enough information on them to see if they are licensed. How do i find out for sure if they are licensed or not? Thank you

I just sent off the "letter" to Paydayok requesting a refund. Has anyone ever tried to get a refund or had any doings with this pdl?