Hi! I have a confusion regarding the two topics debt consolidation and debt consolidation loan. What is the difference between the two ? I mean in both the cases the multiple debts are converted into one single account. The interest rates are also lowered in both the cases. Then what is the basic difference ? It will be helpful if somebody can put some light into it.

Okay---I have an account with HFC under my name. It was running late. So in order to make sure they received the payment ASAP and understood what my intentions were, I post dated them a check. I mailed them a letter and the check at the very end of last week and figured it wouldn't get there until about the middle of this week. I explained that the money would not be in the bank until the 3rd, to please hold the check until that day and cashing it before that time would cause hardship for me since the funds would not be in the bank UNTIL the 3rd.

Anyone dealt with these people before? Dell is claiming that ARS National has at least one of my husbands dell accounts. And they claim that ARS National collection agency has mine as well (I have one). Although my husband has four accounts with Dell--oxford is calling saying they have all four, yet dell has emailed me back on one account so far, and they're saying that ARS has it. This is INSANE!!!!!!!!! can I go jump off a bridge now? I'm waiting to hear back now about who has the rest of the accounts. These accounts have been passed around like hotcakes. and tell me, why is this?????

What if I have bad credit score. I think my score was 581, plus have garnishment/repo on my record and listed in check systems(I don't owe anything anymore though). Can I still get a loan? I don't mind high interest as long as the payments are reasonable.

I just had the sweetest group of customers ever.. For those who don't know, I sell beds. (Wait...If my corporate office is reading this, I CHANGE LIVES!..hehe) An older couple came in (older as in early 70's) with their son, who recently had a stroke.

Well,guess what?I worked more hours than I can count in the past few weeks,and no visit!The CEOs second in comand flew in for the meeting,and didnt visit one store :roll: .We looked so good too,but the upside is,we are doing inventory the end of March,and there wont be much to do to prepare. :) Congrats to ARi,JJ and Shirley on your new titles,keep up the good work.

Hey all, I'm trying to do debt consolidation and have received offers to consolidate through "Hess Kennedy & Company" and "Credicure". Has anyone had any dealings with these companies? If so, how would you rank them? Thanks everyone. Alex

I've recently ordered a credit report and saw that an unpaid debt with Best Buy which was reported on 5/2002 was transferred to LVNV Funding. It now shows a debt from both creditors. I settled the debt on 11/2005 from LVNV for less then full balance. Since the debt has been tranferred to LVNV the estimated date of removal has been increased till 10/2012 from 2/2009. Can they start the 7 year process over again when the debt changes hands?

Ok so long story short here. I accumulated a big bit of debt.....judgments and all. I really want to clean up my credit report in a year. Is this possible. My credit score is 418 right now. I feel so dumb saying that...but first rule of fixing prob is saying there is one. So here goes. I have 5 or 6 medicals, a few utilities, a few judgments. A car, and a few other things. Totals to 19 collections with 2 or 3 of those paid. But I have 1 in good standing. I got a credit card with a friend and thats on there. And my BF has put me onhis accounts for DISCOVER and AMERICAN EXPRESS.

I have 13 payday loans totaling around 3700 that will be due March 10th. I was relying on a loan of 9000 that I was supposed to get, but after doing some research and coming to this site, I realized that i was scammed by nationwide express loans out of my $281 money order that i sent out. They sent me official loan documents with the lender IPC inc. and it all looked real to me so I sent the money out, but after reading about Alliance Funding, i realized I had been scammed.