Hi everyone, I've been searching the web for the last few weeks looking into debt settlement and companies offering this service. I currently have $28,612. in unsecured debt, most all of them closed and charged off. I have talked with a lawyer regarding bankrupcy, but after much thought and research I've come to the conclusion that I really want to avoid bankrupcy. As a single Mother on a tight budget I find it hard to pay the fees (quoted as $4291.80) from the debt settlement companies that checked out well with BBB.

The story starts when I got a cell phone for Christmas. Its to be expected that Id get calls looking for the last owner of the number. Friends and business contacts of this girl (christy) seemed to understand and wouldnt call again. However ex-boyfriends(I assume) were slightly more annoying to stop calls from, Slayer songs on voice mail seemed to help. So now after 3 months of telling people they have the wrong number the only ones still calling are 702-804-8484, it comes up as an unknown number and they have never left a message.

Hello, I am new to this forum and was hoping to get some advice from you kind people. About 6 years ago I was naive enough to let my then-boyfriend get a telephone account in my name, which of course got run up and eventually disconnected. He told me that after so many years the phone company erases their records, so I just let it go. Well, now I'm a bit more grown up and knowing that this is catching up with me. I recently applied for a credit card and was denied. Subsequently, I get contacted by Asset Acceptance, who apparently has my account now for the phone bill.

Hi I need help. I have around three credit cards bills and all of them I have used the credit line. I owed around 15,000 dollars just in those credti card. My apr is really high on one is 21 and the other two is 9.44. I also owe my car loan. I don't know what to do. I just lost my job and I'm behind in all my bill payments. I need help please give me an advice.

I have about 45,000 secured debit (equity line) and about $40,000 unsecured debt, I am never late with payments and pretty much pay double on my higher apr cards. But my wife is pregnant with our second child and would like to stay home now. Should I file bankruptcy and count my losses then move on?

Hi! This is Sandy from United Christian Financial, subsidiary of USA debt management. I'll be glad to answer your questions about debt consolidation or negotiation, and explain the positives and negatives about a program, in a way you can understand. I also have previous banking experience, which I believe helps.

How far is debt reduction program different from debt consolidation? Also, if I choose for a debt reduction program, do I have to include all my debts into the program or can I choose from my debts, which one needs to get resolved. Just to have a general idea, I wish to be answered to this query Roxette

i have 2 suggestion for this site and 1 question > the subject title is a little out of place, you end up reading the message before you even look at the subject, fixing this might speed up the search for what your really looking for. >what about a seperate chat room, obviously strickly enforced. >and also from my understanding an avatar photo would be cool. a kind of way to show your personality. this might spark a boost in activity and feedback from new users and potential applicants.

Hi, there...I'm getting divorced and have learned that I have a lot of debt because bills in my name weren't paid (he was in charge of the money), and I am way behind on things. Is it really true that some companies will give loans to paople like me? I am willing to do whatever it takes to get out of debt and get my credit back on track! My total debt is approximately $6,000. Lots of medical bills, and old utilities. Any advice or help would be a blessing. Thanks... :wink:

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