If I do a debt consolidation will this affect me and my credit?

I've been sued for a $3500 debt to credit catd company. I called the alw firm listed (Zwicker & associates) and offered a payment plan. They said they were going to go ahead with the court anyway unless I can pay in full. Any advice?

I have a debt management program with MMI and I still can't seem to get ahead. Should I be working with another company?

Capital One took me to court for a debt and won (The court location was far away so I didn't attend). They just recently took me to court again to garnish my checking account. They have my old bank acct. info. though???? I am in the process of filing ch. 7 bankruptsy, but will take a month or so before I can pay off my filing fee. I am soooo affraid that they will garnish my wages or my current checking acct. Does anyone know the virginia laws re: garnishment? I believe it's 25% of your wages but not sure about the bank account. Can they wipe out my whole account???

I had a message to call 877-830-0633 but on the caller id it came up 281. Does anyone know this number?

I have a payday loan with Apollo Funding. I cannot find the information and I want to pay it off. Do you have a contact # for them? Thanks.

Have you noticed that these animals take your payments in more than one debit? I may be all "conspiracy theory" here, but I have an idea of why... If there are multiple debits, they increase their chances of half of the payment not coming through, right? So that means they get to charge you late fees, and re-loan fees and all that, just to keep the cycle going. It's gross.

anyone ever hear of first consumer debt consolidation and know anything about them?

Ok....Going through my Experian currently.. I have TWO entries from midland credit management...Both for the same account/number. One of them says, "Unable to locate individual 1/11/06-1/11/06", They have not tried to contact me! Not by telephone, or mail. The second one is also from 6/05 I made a payment last summer, and it is not reflected. Has anyone had to deal with midland credit mgmt people? What does this mean? Should one of these be removed???

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