This is advice to those who are considering refinancing their home to eliminate debt. I am a mortgage professional and see all too often people making the same mistake over and over again. It is refinancing their homes to pay off credit card and miscellaneous debts. Although this is one way to lower your monthly payments you also increase your cash out-going flow by financing for 15 to 30 years. Added up, the interest alone could land up being more than the original debt.

Finally done with all the calls.... Magnum Cash advance will stop payment this week, but I will incur "daily" charges. United Cash Loans will still attempt to debit, but will send to collections when it doesn't go through. But get this, they will not report to credit agencies and they will still offer me a loan! I said forget about that. They said they won't hold the collections against me! LMFAO! USFast Cash absolutely won't work with me...and will still attempt to debit my account then send to collections right away. I'm alittle less sick today but still worried!

I took out private loans for law school. They are literally called "Law School Loans." Does anyone know how I can consolidate them?

for the following companies: Encore Receivables Management ARS National Financial Recovery Service thanks

I have pulled my husband's credit report and there were a few companies that pulled the report that did not get permission to do so. I have letters to send them by certified mail - do you think it would be a good idea to fax them as well?

Hello, I am a new user here and I have a question. I have been paying off and disputing things on my report. I had 4 collection accounts from the same company. I disputed them because the collection beareau apparantly went out of business and I could not verify the accounts. Equifax sent me a letter saying the accounts are now "paid in full" and they show a balance of $0 on my report. I subscribed to truecredit and it shows these accounts are deraguatory, but paid. Are these to be removed are do they stay in the "collections" status.

How come I don't have a donate option by my points? I see that everyone else does but me.

I received an email only a month ago from 1st Credit of America saying they now had my CheckNGo account. So yesterday, I now receive in the mail from Apelles that they now have the account. It's ironic that I sent 1st Credit of America a validation letter for this account and then they sent it on to Apelles (another CA) for collection. Who should I believe and what should I do?

I just got the rudest call at my place of employment from someone at Cashnet - his name sounded something like koala? Anyway - he went on to tell me that I won't return their calls and that they have tried contacting me via email. One of the emails I replied to Mr. Reilly telling him that I had consolidated with T & C and I didn't receive a reply, but I do have proof that it was sent. Well - that idiot told me that I needed to set up payment arrangements - I told him that I was willing to do so but not with him - I told him that I was recording the conversation (which I was.

Hello, Been looking around here a lot lately but I still have questions. I had 2 cc opened in 97-98 both owned by retailers national bank, the last time I used these or made any payments was at the latest 2000.