I am seeking some advice - I have received a letter from an attorney's office stating that they are seeking a judgement against me for a debt. Should I inform them that I am seeking counsel for filing bankruptcy? Or should I not tell them that as they are not a collection agency? What is the difference between a judgement & bankruptcy? Also are the both on your credit report for 10 years or is a judgement longer? Thank you!!

Hello, I am new to this site.. Before I sign up for the debt consolidation, I have some concerns. I have like 9,000 of credit card debt and I was wondering if this is a really good idea for me.. Does this really work? how does it work exactly? Do they consolidate all my bills and I just have to make one payment or how? I would appretiate it if someone would respond.. Thanks

Two Questions: 1 - Once an attorney's office has contacted you re-seeking a judgement does it help to inform them you are seeking an attorney for bankrptcy? They are different from collection agencies right? 2 - For bankrptcy it stays on your record 10 years. How long does a judgement stay? I am trying to figure out the difference between a judgement & filing bankruptcy. Thank you!

http://www.consumerlaw.org/action_agenda/payday_loans/content/NCLC_SUMMARY.pdf This is for my state. Do they have to be licensed for my state? How do I find out if they are? I also have loans that total $1,765.00. It clearly states that it is their responsibility to insure that I do not have other loans out. does this make a difference?

I received a call from Mr. Austin from FSM Processing about a payday loan he is trying to collect on, and I have them listed in my consolidation program with T & C, but he says they wont work with consolidation companies, because the payment is so small. I told him that he is not my only obligation and that is all I can afford right now, but that I really want to pay them back. What should I do if FSM wont cooperate with T & C? Thanks, Heather

Anyone know who this is? 562-762-8167. Found no info when I googled it, nothing searching the BBB. They called a couple times the last few days...saw the number on my caller ID, but never left messages.

Help, i got served to appear in court by Ready MOney.Couple questions about it.(1) it says i have 20 days to respond, is that business days or all days(2)They tried to serve me @ work 2 times but i was out in the field so they told the recepsionist that ever time he comes back it will cost me so on the 3rd time he took it to my house and gave it to my 15 yr old son,is that legal?Got more questions to ask but will just post these for now.Oh yeah the summons is stamped with the 20th but i did not receive my copy until the 24th so which date do i go by for the 20 days to respond.All help will be

Is it possible to consolidate two cc debts that have been charged off and are in collections?

I had a phone call from a Mr Hubert in "LEGAL" dept. Regarding a Payday loan from Americash. He refused to send anything in writing then told me I committed fraud. He hung up on me. The voice mail at the number states A.S and Associates, but I can't seem to find anyting about them.

I need T & C contact info to settle some check advances I have