Ok, I used to pay on time and my payments were current until the CC companies changed their minimum payment law and that liked to have thrown me into a major coronary. I called my settlement company and enrolled. Now, my quesiton is: Since I always paid by check..do you think they will dig for my acct number on my check and illegal debit money from it? They can't do that can they? I mean, because I was never enrolled in automatic debit with them, I wrote them a check monthly. Or do you think they will give my bank acct number off my check to the collection agency?

PLEASE help me find the SOL for Oklahoma, I am having troubles....major difficulties finding a link.

My grandma called me this morning and told me that my grandpa has congestive heart failure and its in iis last stages. He has two values that are slowly leaking fluid and the doctor said that surgery was out of the question because of his age. Then she said that the doctor stated that he is in the 4th stage of dementia according to the test results. Which means that he is at times trying to live his life from earlier times. I guess the saying that live each day to the fullest is true. I don't know what I would do without him. He has been like a dad to me since I was little.

My settlement company would not accept my student loans and I graduated college in 1995 and have deferred them every year since. I have reconsolidated them twice and they keep collecting interest. Now, they are up to 48,000.00 I reconsolidated into here recently and regained another 5 years of forebearence time, however I am worried that when I ask for the income sensitive payment that I won't be able to afford it. I plan on taking 2500.00 of my income taxes and dividing it by 12 and paying 208.00 monthly to them.

If i have 60K in credit cared debt from nine cards, 2 are over15K and a few are around 5K and the rest lower, who shoudl I try to negotiate and settle with first. I plan to save around 5Kin 4mo because I am not going to pay any of them. but 5K is not enough to settle a 15K debt.

I would like to hear from someone that was in the program and how fast their credit got better afterwards. My parents bankrupted in the year 2000. The day after it was final they received credit card aps and reapplied and got one. I was told that credit card companies and other lenders will look at your credit report as a hard lesson learned and will assume that you will not get back into the same boat. I however will NEVER get another one, besides the one that I have already.

Hi everyone, I have a question about a collection agency that sent me a letter. I was playing around on the Internet about 6 months ago and got a free teeth whitening kit. Today I got a letter from a C.A. and they said I own them $90. Now I know they only have my name and address, nothing else, not even a credit card (because it was free) but they said that they can still post negatively on my credit report. How is this possible? Are they just giving me a story hoping I'll pay it? Thank you in advance!

if I sell my car and have remaining loan amount, is there a way to get a new loan for the remaining debt? in my case sell for $17000, subtract from current loan of $24000, not including another used car subtracted from $17000 sale or other loan.

anyone know if theres a law out there for if you get a slip from the dr. saying for your own health reasons you can only work 1st shift? i'm from wi. and my husband's employer is giving him a hard time about not letting him back on 1st shift even tho his dr. wrote a note sayind due to his health problems and he's been doing real well the last 2 yrs. w/ the meds he's on that he fears him working 2nd shift would jeopardize that. how can hr dept. decide what's good enough and so on. any help would greatly be appreciated. thanks

When my husband was stationed is San Antonio Texas 2002 - 2005. We ate at the usual restaurants all the time. In 2003, I was teaching some mexican's English in exchange for Spanish. Turned out they were ALL illegals. Here at most of the places in San Antonio would only hire people without social security cards, but if you could get one or borrow someone's they said they would get more pay. I applied everywhere in San Antonio, but was told they wouldn't hire me cuz I had social security number, they pay cash on paydays $80.00 - $120.00 a day.