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!

for the past 2 years, im out of the US. i closed my crdit card acts and my bank accts before i left. i paid all my bills since i knew i will not be back for long. end of this month, im planning to come back. do these 2 years of not having any cards affect my credit history?

Why is it that I was given two different figures regarding monthly payments by two different debt management counselors? One advised me that the other company's rates were too low, but my debt was too high to establish a management program at this time...Thank you

if you could spread a pair of lungs our flat, would they cover a squash court or a tennis court

My wife and I currently have about 51,000 in credit card/loan debt. All of it is unsecured. We are still in a positive cash flow, but barely. Other than my debt/income ratio being lopsided, I have perfect credit. We have tried getting consolidation loans, but no one will talk to us due to our debt/income. Is debt settlement the right course of action and what long term impact will it have on our credit history.

Someone called my place of work and stated that they were gathering information on a person and wanted to know date of birth etc. When they were told that the company does not give out personal information they got mad and hung and kept calling, even when they were told the employer does not approved of calls of this sort. What is the Statute of Limitations for student loans

Blocked calls are on the rise. Different lines are used for making incoming and outgoing calls. Let us discuss on the ways to track them, since the number making the outgoing call is never reached as it is not designed to receive the incoming calls, we are left puzzled. Some blocked numbers also don't come up in the display screen. I wish we should know the ways to track them accurately. Let us have a very minute discussion on this topic so that we find the best possible ways to track them. Regards Roxette

Do you deal with debt that is already in collections, or just stricktly credit card debt?

quick question? has anyone applied for a plasma tv and speakers set @ digitalnowtv.com and get the products that they were promised. i applied for my system almost 3 months ago and have not received a thing. my delivery date was 07/19/2005 and as of now there phones are not working, i have gave them a 149.00 deposit that i assume now i will never get back. i just want to know, has anybody else been burnt by them or did they really get the product.

Keep your student loan account current, prevent it to be defaulted. Student loans are such liabilities which are, usually, not charged off easily. Seldom is it written off by bankruptcy. Once you receive the loan you have to pay it back. But most of the students find it difficult to pay multiple loans at high interest rate and as a result the account loses its ‘current' status.