Has anyone out there dealt with the original bank to settle a debt. I am looking for information on how to deal with them, if you can degotiate your credit rating and what letters or documentation I need from them. Everything I have seen so far on the internet has to do with collection agencies. Thanks in avance,

I am trying to come up with about $4,000. I am interested in hearing any ideas on where to borrow the money. I would prefer borrowing this without securing the loan if possible. I will pay any reasonable interest rate. Anyone have any good ideas or know of good places to try other than a bank or LendingTree? The banks would probably loan it to me but it would be secured. I could pay it back in any normal term, 12, 24, 36, or 48 months but I would not want any prepayment penalty because I would be paying this off early. I am just looking for any ideas so thank you in advance.

I have been reading a lot about my rights when it comes to debt collectors and personal debt, but what about if I owned a business. Here is the quick version. My partner and I had a LLC (both managers) but because we did not have enough business we closed. I just got contacted a week about an outstanding debt because of a cell phone that my partner was using. Apparently they have been going after him for about 1 year and then got wind of my name. Now they are calling me, and I am not sure how to deal.

My girlfriend has two student loans, totaling about 15000, that have been sent to collection agencies. She is struggling to pay them and I was inquiring about settlement or consolidation for her. Now I noticed by lookng through some topics on this forum, that most debts on here are credit card debts. I was wondering if student loans are any different? Are there differnt interest rates than credit card debts if consolidation was chosen?

does anyone know who has the number 800-664-0596. I got a message from a gentleman with a very heavy accent.

can i check my account online

I've heard that doing a debt consolidation will actually possibly harm credit score? My wife and I are trying to purchase a house within 3 years, and would like to get all our past bills paid and caught up. Won't it look bad on our credit report that we did a debt consolation?

I am currently married.. and my wife and I have a few things we would like to get taken care of before we purchase our house. Currently... there's school loans(mine's in repayment, her's not repayment yet) a car loan, 2 CC's(only about 800bux total) and then prolly about 5k in misc. bills/debts etc. What would be the best way to combat this? I hate being behind in bills, but sometimes life throws a curve and we get f'ed over. If anybody would like to chat w/ me to advise..would be awesome).

My wife and I have accumulated close to $60k in credit card debit and personal loans. It all started right after we got married about 6 yrs ago and she couldn't find a job for a few months. This is when the snowball began. At first it was one card then another then we bought a bigger house then we should've. Next thing you know we are having a kid. We both have really good jobs right now and are current on our payments but that is all about to end.

Does anyone have any information on midland credit management Inc.? I appreciate any information you may have.