well... if you point me in the right direction i will more than likely travel... I'm 19 and i got more debts than what i make.... i am on my own on these. so any help will be appreciated. thank you.

I keep getting e-mails from companies that want to give you free money in your account next day..."100% no hassle" well, I was wondering is this a wise idea to go with... they're giving me 500 to 1000 dollars to help pay bills or for emergencies. What is usually the repayment plan for these institutions? and if they are even real... i don't know.

The fax number of wilshire credit corporation is 503-952-7476 for the main office in Oregon or direct to the main office in New York is 212-670-4690. The toll free number to Oregon is 888-917-1050--some extensions are 7197, 7597, 7881,7733, 7661, 7701, 7560--or direct dial to 503-525-7257. There is a dispute department and Wilshire is required by law to respond to any dispute you put in writing and send to them--or the attorney general for the state of Oregon or the better business bureau.

What is the Statute of Limitations in California???

I recently received my credit report to find i owe money to Jefferson Capital. I called the number on the report but it said it had been disconnected. The account is still open. How do i pay them debt if i cant talk to them?

Dear debt consolidation Care Forum Team, I got to know that I have won the $100 for the week from 17th April to 23rd April. I thank you for appreciating my noble work and encouraging me to do something good for the community. As you are well aware that I board in this deck regularly, I realize the fact that so many of our fellow countrymen are striving hard to earn their bread and butter and making every effort to live a debt free life.

We welcome our new moderator Pammila, she has voluntarily opted for the post. Her articles are very helpful; I am going through all her posts to get more knowledge about Identity Theft and Bankruptcy. I will also post a little more about her experience in the industry, you can also catch her with your doubt at http://www.debtconsolidationcare.com/chat/ . Welcome to the forums Pammila. Vikas

I found this story very interesting, no matter what your circumstances are if you have a will there is a way and debt is no exception either. An old man lived alone in a village. He wanted to spade his potato garden, but it was very hard work. His only son, who would have helped him, was in prison. The old man wrote a letter to his son and mentioned his situation: Dear Son, I am feeling pretty bad because it looks like I won't be able to plant my potato garden this year. I hate to miss doing the garden, because your mother always loved planting time.

Does consolidation effect spouses credit? We keep finances seperate and I dont want my husbands excellent credit hurt. Thanks!!

Wanted to explain the difference between SOL for reporting and SOL for collecting debt. It would be best to not think of SOL for reporting as more then just the expiration period when the debt comes off of the credit report. Here is a run down on reporting periods: [list=1]

Negative account listings reported by the original creditor will remain 7 years from the 1st delinquency on the account leading to charge off.

collection agencies listings should expire off of the credit report at the same time the original creditor expires regardless of how long they have or have not b