Hi, Here we will introduce the debt samaritans who will help forum members and guests as volunteers. Welcome to the community. Regards Vikas

What precautions should I take before going for a loan? I don't want to end up settling my debts. I want to be careful, because I want to take an amount of $30,000 loan for my new house. Please advice. Thanks Rony

I also have been grappling with ASG. For two months now they have been calling me off and on about an account I have been paying on. Incidentally, my first contact with them was a couple of days after I had made a payment on the account in question. I first tried to work out a payment schedule with them, they didn't want to do that, they wanted the whole amount. I told them I didn't have that much money on me, he somehow pulled up the fact that I had made a down payment on a car recently! (I had had an accident and my car was totaled.

Dear forum people, How do I know whether my account is with collection agencies or with a creditor? If a collection agency calls me, does it mean it is passed to them? Is there someway I can still ask my creditor directly and avoid collection agencies? I think my accounts are passes to collection agencies, they really S**ks.

I need to repair my credit. I don't know where to start, please help. I will really appreciate your help. Thanks Norman

How easy is doing it myself, how can I negotiate with my creditors?

Hello, I am considering debt consolidation, however, I have secured and unsecured student loans as well as $13,000 (approx.) in credit card debt. I am still not finished with school, so this is where the however comes in. I am wondering if I do debt consolidation for the unsecure portion of the student loan I owe already (I went to tech school... now I'm trying to get my degree at a credited University), will that prevent me from getting further loans to finish school? Please help :). Thank you for your time. Andrew

I am currently in about 27000.00 in debt,and now have just recieved a sumons that a creditor is sueing me. I need help,dont know if bankrutcy or debt consolidation is right for me.....

Hi I have tried to sign up to this site but because I live in England it won't let me because I don't have a zip code and the telephone number space isn't long enough for my number Please could u help? Regards....jenny

Dear Members, Wishing you all a very Good Monday morning. We would like to announce to all the members and guests that there were no winners this week for the $100 weekly Promo offer. We noticed many of our members have not visited us yet; maybe New Year celebration is yet to be over. Looking forward for more postings, let us know your thoughts and suggestions; you can easily win $100 every week. Thank you, Simon