I've recently gotten into some huge and overwhelming financial trouble and began looking for information online on how I can find a way out of it. I found this site and while I haven't been able yet to speak with a debt counselor it has helped at least to know that I'm not alone and that others have had the same type of problems. Briefly, what happened is that I had 3 credit cards with large balances as well as a gas card with a small balance. I was unexpectedly hospitalized and off of work (therefore unable to make payments on credit debt) for several months.

I was recently hospitalized and unable to work for over two months. After going back to work for a few weeks I was again off work for medical problems for a month. Meanwhile I was unable to afford payments on my three credit cards and on top of that I now have a $20,000 hospital bill and a $1200 bill from an MRI my doctor wanted me to have done.

Ok Moderators/Vikas/Etc. Looks like the spammers are now registered members!!!!! They've invaded.....

Is there a sample letter, or template I can use just to request that collection agencies stop calling? I want any contact to be in writing. Thanks! Jenna

I had a credit card from 1999 and was charged off in 2000. However, a collection agency has put it on my credit report as of December 2005. This debt would be coming off of my credit report next year, but now that it has been bought by this agency, is it still able to stay on my credit report for another 7 years? It doesn't seem that it would be legal to do that. How can I fix this? Is there a way? Besides the obvious answer of paying it? Please help!!!! Thank you!

Anyone have an address for Debt Doctor???? Thank you!

Does anyone know how some PDL's react when you close your account and they try to removed their fees from your account? Do they just call you? I'm hesitant to close my account, but I am in the beginning stages of consolidation and my fees are due Friday and I don't want to put out money for something that will be soon consolidated. Thanks for any help!

Alrightie...here we go. What the heck does a charge off mean? Does it mean that the card will not sue me? Does it mean that they won't sue me but will sell the account off to a third party to try to get a big commission off of the balance? AND does this mean that the third party collector can SUE me and get a JUDGEMENT against me? I have been told that the original creditor would have to sue me, not the third party and if they charged it off--they are not going to sue me. ALSO, how long does a company normally wait before charging off?

Does anybody have the addresses for 500 fast cash cash transfer center and one step cash? I desperately need them for consolidation of these loans. Tx

Has anyone worked with Alliance credit counseling out of Charlotte, NC? They said that they could help with a payment plan with my 6 payday loans ($3000). The monthly payments will be $310 for 8 months. T & C said that they couldn't help me because I live in Maryland.