I currently own a home and have a 1st and 2nd mortgage. The home is valued at 325,000.00 My first Mortgage is 205,000.00 and 2nd is 80,000.00. My problem is I have about 120,000.00 in credit card bills. What are my options, Im sinking fast. Can I get a loan for 400,000.00 even though my house is only worth 320,000.00?

Trying to locate two phone numbers for payday loan companies. One is for paycheck two and the other is for magnumz trying to pay them off but can not get in touch with them so they keep debiting for the interest...Please help email me if you have info on these companies at Email deleted as per forum rules-Vikas

Hi everyone, and thanks so much for letting me be part of this wonderful group. I have been reading through many of the posts here, and it is so nice to see that there are others out there like myself. My husband and I have several payday loans, and would like to consolidate them as well as several credit cards. I have seen several members talk about T&C. Could someone please tell me how there program works and what the monthly payments look like. As most of you probably know, we have gotten these loans because finances are tight, and we have had a few emergancies.

I need the address for: DCA - discount cash advance CPD - I don't know what it stands for Thanks!

:( Hi everyone, and thanks so much for letting me be part of this wonderful group. I have been reading through many of the posts here, and it is so nice to see that there are others out there like myself. My husband and I have several payday loans, and would like to consolidate them as well as several credit cards. I have seen several members talk about T&C. Could someone please tell me how there program works and what the monthly payments look like. As most of you probably know, we have gotten these loans because finances are tight, and we have had a few emergancies.

Any opinions on their debt consolidations service?

Stick your palm open under the stall wall and ask your neighbour, "May I borrow a highlighter?" Say "Uh oh, I knew I shouldn't put my lips on that." Cheer and clap loudly every time somebody breaks the silence with a bodily function noise Say, "Hmmm, I've never seen that color before." Drop a marble and say, "Oh shoot! My glass eye!" Say "Darn, this water is cold." Grunt and strain real loud for 30 seconds and then drop a cantaloupe into the toilet bowl from a high place and sigh relaxingly. Say, "Now how did that get there?" Say, "Humus.

Has anyone dealt with Quik Payday? I just got a collection letter from them today. I owe them $600. I spoke to them earlier and told them I was with a debt consolidation program. Then they called again and asked which one then I get the collection letter today - is this a scare tactic for these payday loam companies - if so I am scared. I am going with T&C for debt consolidation of my payday loans and Quick Payday is on my creditor list. Should I let T&C handle Quick Payday?

I've been looking up all these old lists I've had sitting around forever... With all the stress lately, we all need ways to maintain a healthy level of insanity. :) Here's a few things to do when you're on an elevator... Make race car noises when anyone gets on or off. Blow your nose and offer to show the contents of your kleenex to other passengers. Grimace painfully while smacking your forehead and muttering: "Shut up, dammit, all of you just shut UP!" Whistle the first seven notes of "It's a Small World" incessantly. Sell Girl Scout cookies.

How many times can debt collectors contact you in a week.