What is a Goodwill Adjustment Letter? Does it really work?

Hi, Thought of sharing this inspiring story with you. My friend Jeyta was struggling with her credit card debts. She used her credit cards every now and then and didn’t pay much heed to pay them off. So, the day she found out that she’s landed into debt problems, it was already $15,000, which she had to pay off. I was with her when she was struggling to repay debt. So, I thought of narrating it so that if you’re facing the problem, it could be some help to you. She decided to pay it off herself. She opened an Excel doc and listed her debts with specific information.

Which gives better interest rate - Home Equity Loan or HELOC?

Can I file a complaint against the US trustee? How will it affect my bankruptcy case? Can he dismiss my case?

Will the collection agency favor me if I agree to repay debt before asking for debt validation? Will they agree to settle the debt for a better offer?

Hello! Hoping I can get the help I need here......I have two payday loans that I don't want to pay on anymore cuz I have already paid on the principal. One is Zoca Loans - Borrowed $450 paid back $472.16 ...... Second, Green Trust Cash - Borrowed $550 paid back $620.44. I live in AZ and I just found out that payday loans are illegal here. I am going to close my bank account so that they can't take any money out of my account. I am not going to give these companies anymore money. Could I get in trouble for these loans? What do I say to the loan companies? Any and all help is appreciated.

Just asking - is there any procedure to complain against a law firm if there's some problem with a debt relief program?

Hi! I would like to ask for some advice/guidance on what are the issues encountered in joining the Credit Repair Pool?

I filed for chapter 7 in February, I was drowning in credit card debt and payments for student and personal loans. Over the past 5 years my debt went from 50k to 200k, a lot of compulsive buying and taking from one card to pay another escalated my debt fast. By February of this year I had only been late a few times on one of my many credit cards. Almost all of the luxury goods, expensive clothing, etc. I had sold off in the 1-2 years prior to filing for chapter 7 and used the money received to pay my card balances but then still used my cards.

I feel it very difficult to plan a budget. Is there any organization who can help me out?