I am a 21-year-old college student and have accumulated about $7,000 in credit card debt. I have been reading a lot about debt consolidation and would like some advice on what would be the best option to take. I have read that a lot of people get into debt management plans, for example my sister is signed up with CareOne. If I am correct, the company negotiates lower interest rates for you and you pay them one monthly payment which they distribute to your creditors. There is als a fee each month that is paid to the company for their services.

I just received a phone call from an Attorney's office, that was ratained to collect a debt owed by me to CACH,LLC. He told me they sent a letter, which as I was talking to him I went out and checked my mailbox and there it was. I explained to him I just received it and was reading it at that very moment, I proceeded to tell him that that I could take care of the debt on June 9, " ten days from now" That wasn't acceptable to him. I said according to the letter, which I just received, I have 30 days to dispute it.

I sent a request for debt validation to the JDB~Asset. This is the reply I got: Dear RSB, Thankyou for your request for further debt validation of your citibank account. Enclosed please find an account statement prepared with the use of information provided to us by the prior creditor. Please contact me so we can work towards resolving this matter. This is an attempt to collect a debt and any infoformation obtained will be used for that purpose. Sincerely, M.

I'm doing some research for a possible referral to an attorney friend, does anybody know of any internet payday loan companies that do not do a teletrack check and if so who are they? Thanks

I received a call from e-processing today. They told me to get a lawyer because I couldn't pay the entire amount due TODAY. I offered to pay 1/2 by 6/30/06, but they wouldn't accept. Is there anything I can do to stop them from suing me? I don't want anyone to come to my job to serve me with papers. I am behind on paying this, but STUPID me, I had a bunch of payday loans out at one time, and I just didn't have the money to pay them. Now I can? Any thoughts anyone?

Discover card offered my a 40% settlement on a $2500 debt. My overall credit is in poor condition. I am trying to turn it around now. I'm in New Orleans and need to buy another family home. Discover will report a settled less than full balance to the bureau. Should I take the 40% offer or pay $2000 for a paid in full report to the bureau ??? Thanks

After reading on here I decided to run my credit report. I have a collection from LVNV. Does anyone know who this is? I have never heard of them and they have never contacted me. It is a debt from 1997 or so it says. Any help would be appreciated.

Since going with T&C I have received very few phone calls from any of my lenders or pdl's. I think maybe 4 at the very most (it has been over a month now). Should I just accept my good fortune or is this not normal and I should expect the other shoe to fall?

Does anyone ever deal with Paychecktoday and United Legal Corporation?

I have a question about a debt collector imposing a lien on a paid for home. My mother recently had a judgement from Carmel Financial. It does not say anywhere in the judgement about a lien, but apparently they threatened to do so. Can they at a later dated place a lien on her home? She is trying to sell her property and is unsure if they have placed one all ready or if they are going to. She is afraid to find out fearing they will make her pay and that she will not be able to sell.