Hello, I've been reading as much as I can on the forums here for a couple of weeks. And I have some questions about what goes on after I fill out the registration on the main page and talk to a counsler. I've read a few post where the person stated that after they started the consolidation process and stopped making payments directly to the CC companies that their credit rating went way down. Why is this? Arn't the payments going to the CC companies? And how come the CC companies still seem to call asking for payments? Thanks

I am in Africa, how can I join this community to consolidate my debts and look for ward, please I need assist to open up my potential [color=red][size=2][email address removed as per forum rules-Vikas][/size][/color]

Has anyone heard of Island National Group LLC out of New York? I have been dealing with the same debt for the passed few years and send Money every month and it seems this debt has been in the hands of many different collector agencies.I can't figure out why it keeps changing hands. As far as this new agency ( Island National Group) I can't find any information on them! Any one herd of them?[color=blue][/color]

I am in a debt settlement program. The company I am working with has taken over all contact with creditors. They instructed me in the begining about 9 months ago to log all messages and calls for them. I did this, and haven't returned any messages from creditors. The calls all stopped about 3 months ago. I have not been contacted about any court proceedings, but I do understand that this may happen. Do they have to notify me prior to any court proceedings? Were their phone calls enough? If they don't notify me, and get a judgment...what's next?

Does anyone know of any at home business companies that are legitimate? Not ones that are asking for you to pay money in order to see their programs. Thanks in advance!!

Hi CASHTODAY CUSTOMERS, It will be of great use to read the below lengthy paragraph's if u have taken a loan from cash today or planning to take one. I am typing this from london, uk. i used to work for this bloody company called Cashtoday ltd. Thank god, now i am working in a different company.

Is there a way to search the forum for creditors? If so, how? Their doesnt appear to be any search button anywhere

I had a real financial hardship last year. I lost my job and had some health problem also. Consequently my federal and private student loans went default. I've consolidated federal loans. Now I?m trying to file bankruptcy, since Im not able to pay all my medical bills and credit card dues. Can bankruptcy write off private student loans?

When you use a consolidation co. Is it normal practice for the collection agency that they are paying for you to continue to charge and interest rate of 12%per annum? My principle owed now is $32.00, the interest owed is 517.19 I tried to see if they would settle for less but wasnt resonable enough. Thank you

I am in a debt consolidation program so my credit report is being hit a bit hard right now with that showing up negatively. I want to try to refinance my vehicle and my home (mobile) though...is there a chance in hell I could be refinanced or would I be wasting my time? Should I try to refinance with the institutions that currently have the loans or should I look into somewhere else? Thanks! Kate