if i am 1,000 dollars in debt and my interest rate is 13.9%,how long will it take me to pay off and how much interest will i be paying?

Does anyone know if Waltham, William, Berg and Reeves are attornies or a CA? I searched every place I could on the internet...even on FindLaw where you can search attornies, and came up with nothing. When they call they leave no message and I have not recieved anything from them by mail...makes me suspicious. They call from 800-392-1887. Any info would be great.

Hi, I got a letter from transunion today and it doesn't make sense to me, maybe just a standard letter to anyone who disputes. It says: Re:Explanation of different items on your credit report------ It tells me that I can add a statement of 100 words or less to my credit report Then it tells me Re: Policy for information retention The fair credit reporting act allows: then it goes on to say how long things can stay on your report, judgements, bankruptcies, etc. Then: Re: general policy It askes about me using a credit repair company and includes a form I can fill out telling them who it is.

Dear sirs: once a company negotiates a settlement on a debt, and you begin monthly payments, how are the monies disbursed? I.E., do they pay off one creditor at a time or pay all of them small amounts?

I am really confused on the debt consolidation and debt settlement. What are the difference and which is better to do? I have heard so many things do not know what is true and what is not. Please help.

I had a payday loan with sonic payday that got returned from my bank. They are saying that they need payment in full and and they do not take partial payments, plus they say that they can get the money owed direct from my employer. I would very much like some advice and please give me some info on T&C. It seems they help repay payday loans. thanks

Is there a good website to look up 800 numbers that call. I have one that calls several times a day and then it makes a very awful static noise. There has never been anyone on the other end. One called today and I didn't answer. Not sure if it is even the same one. But there was no info on it on the web. 1-800-392-1887. I should call it back to see who it is, but don't want to. I have an attorney for some of my accounts, so I am trying to be careful who I call. Others I have sent letters to tell them not to call me, so it would be stupid to call them.

:?: I requested from Asset Acceptence LLC an original copy of the last transaction on the account they are trying to collect on. I was sent back on a sheet of paper, Asset Acceptence LLC Name on the top line. Next the creditors name with my accountnumber.Next the amount owed with interest. the last line a last transaction date / / 2000. Am I correct that as per federal law this printed piece is not full filling that a original copy of the biil statement should be sent?

I sent the debt validation letters and disputed items with credit bureau. The validation letter 30 days were up last week and still no responses from the collection agencies. The credit bureau reports came back and items are still listed on there. So whats my next step???

I have been looking into trying to get some help on my debt problem with credit cards. I have changed jobs and not making the money that I use to and can not make the minium payment on credit cards right now. I am not behind on the yet, I am trying to keep from it. I am wondering what is the best route to go. I have tried to talk to one consolidation company and they wanted me to make higher payments then what I am already making. They told me to get a second job, consolidation loan or file chapter 7.