I am young and have seriously bad debts. How do I go about taking care of them to buy a home?

Didn't I read in one of the threads that the Ellis Crosby case had been continued until today? So has anyone heard if anything is happening today? I'm curious!

I have two accts with national city bank that are apssed due. I can't pay them right now becuase I am currently homeless. I am trying to get mylsef together, but it will take time.

where are they?

Has anyone dealt with sky recovery in houston?

Who are they?

are they legit?

Is there anything stopping me from deciding to assess a collection agency, or even and original creditor a handling fee for dealing with them? Say I send a notice each contact (written or telephonic) will be assessd a fee of $25.00. We all know they will probably laught at it and try not to pay it. But then after 30 days, turn it over to an agency (E-max a.k.a. collect edge) says they won't charge a fee if they don't collect. Maybe its just a pipe dream, but why couldn't a person do it?

Does anyone have a ameriloan phone number? Thank you! More information about Ameriloan - Jason

When working with debt consolidation - is it also possible to pay above the payment plan (thus paying it off more quickly) or would that normally result in a prepayment penalty? Thanks!