i want to pay it online

is there a way to consolidate pay day loans? I have 10 out and I can't afford to pay them all back one by one

I am looking over my sister's finances and she has some credit issues and wishes to look into some options for debt consolidation. What do you have to offer?

A debt collector can switch dates of the accounts as they put it in the credit agreement. But as per the fdcpa law, a debt collector is restricted from reporting false information on your credit report. The dates get changed when an account is changed from one lender to another. If you find the date appearing in your credit report to be written wrongly, it is necessary to dispute it.

debt collectors are required to follow the rules laid down in the Fair Debt Collection Practices Act. If you find any such debt collector violating the law, you can take the following action:

• You should keep a detailed record of the communication held between you and the debt collector. You should include date, time, and the name of the person who has called you.
• It is necessary to keep a copy of all the written correspondence between you and the debt collector. Report the company in writing.

I am at a point where I am keeping pace slowly, but not getting ahead. I have basically exhausted my passbook savings and the money in the kids savings (stupid move!) and have bills on the horizon that aren't any closer to being paid off. I haven't paid my real estate tax bill yet either. I have a friend - lets call him John,since thats his real name - ha ha - who did the bankruptcy thing last year, erasing his huge credit card debt. A breath of fresh air for him, and he still was able to purchase a new home with his new wife a number of months ago.

I was making a decent effort to pay off my credit cards on a methodical basis. I paid off the card with the highest rate first, like I'm supposed to do as per most of the advice I see, and then I thought I would be smart to close the account and move on to the next card. The card with the biggest balance (but lowest rate) decided that my debt ratio was too high now, so they raised my rate with them to something like 18%.

Creditors look into the credit report of an individual periodically to know if the credit card member has become a higher risk. Thus, if you were never late in making payments to a particular bank, you may have to pay a higher rate of interest because you were late in making payments to some other bank. The creditors watch the following risk factors:

• The creditors primarily look for any late payments no matter if it is one day late only.
• Keen observation is done on any sudden drastic change in the spending and payment patterns.

Once a person gets a new credit, it is easy to get overwhelmed. A person has a tendency to spend more than his earning at such situation. Making things worse, he may fall ill, or lose his job and thus it becomes difficult to keep up with the bills. If a person is unable to resolve the credit problems alone and needs some sort of assistance, he can contact an agency like the National Foundation for Consumer Counseling: This is a non profit organization which will help in solving your debt related problems. A counselor will visit you and he will analyze your financial situation.

hello, i am a family member for someone who is incarcerated. he will be out in two years. creditors keep calling. do you have experience dealing with this situation?