Banding together to fight the system…

I have a loose idea and want to know who can add to this. What if we set up watchdog groups in each state for men who are becoming victims of the bureaucracy of the child support service system? I mean we could only really help those whom are on time with payments, who have had severe verdicts handed to them, are getting runaround, etc… but it would be worth…

DO NOT MAKE THIS PAYMENT!!!!

If you have already, it may be too late. There is a statute of limitations for all states. What state are you in? The FDCPA makes it ILLEGAL for any collector to attempt to collect a debt outside of the statute of limitations. The debt is still valid and is still owed, however, if they have not taken legal action by means of obtaining a judgment against YOU, they have…

After 10 yrs have been approached by a collection agency

Good Evening, I recently, after 10 yrs have been approached by a collection agency seeking payment for a credit card bill that belonged to 1st wife over 8 yrs ago. At the time of divorce she was able to maintain and pay all of her bills that we divided and agreed at time the time of the{in writing} divorce settlement. Well, 2 yrs later she decided to file for bankruptcy.…

Court date is next week

They’ve already sued me, court date is next week. I will not attend since I can’t afford to lose the pay for days off work. Besides, I owe the money so I really have no defense. I spoke with an attorney tonight and we laid out a strategy for the next few months, basically just tell them what I can do and what will happen if they force my hand…

Well, I didn’t get the loan from Citifinancial

Well, I didn’t get the loan from Citifinancial that I was trying to go for. Someone told me to check out Prosper.com, has anyone tried it? I really want to get our finances back in order, before it drives me crazy, I’m too young to go insane. Yes you are way to young to go insane..so stop for a moment and take a deep breath…Now the good thing is you…

How to reduce spending

In the past six years since my husband had his first back surgery (the first of four), I’ve found many ways to reduce spending so I can pay bills. One thing my husband and I both did every morning was buy coffee. He bought coffee at the local gas station, at $1.00 a cup, and I went to a coffee shop, usually spending around $3.00. That was $20.00 per week,…

I am in a similar boat

I am in a similar boat. I too got one of the $200.00 credit cards and pay off the amount ech month. I would love too know ways too improve my credit score too. What I have been doing is reading up on everything on the internet on how to do just that. Yes paying on time, double paying and getting credit reports fixed. I learned they have too take…

Any ideas for raising their credit score?

Does anyone have any ideas for raising their credit score? Maybe it’s childish but I’m doing my best to raise my score while paying off debts. My ex always blamed our financial problems on me even though he shared the responsibility. He always wanted to buy things then worry about how to pay the bills and buy groceries. Most of my problem was that I didn’t want to upset things…

To Clarify Myself

I guess I need to apologize – not to anyone in particular – but for getting uncharacteristically heated about predatory lenders. I wish I could make myself clear about my issue with the problem. First, I’m NOT, in any way, trying to say that people are not responsible for taking on debt, but that seems to be what people read into it when you take a stand against predatory lending…

SOL on Taxes?

Does anyone know if there is an exception for taxes, regarding statutes of limitation? I owe $325 to my local school district for an occupational tax. This is from 1999. I live in PA. I had gotten this off of my credit report a few years ago (I actually had no knowledge of the debt then) and just found out that it is back! It’s so old, it won’t really…

Can you get a student loan if you have a really bad credit?

At this point I am up for any suggestions. My credit is messed up (my fault) but I have a credit worthy co-signer. School starts really soon and I am really hopeless cos so far I think we’ve not been approved because of my credit. Is it possible to have just the co-signer borrow for me without credit check on my part? if yes where can I do this? Thank…

Credit Counseling Services

I used a credit counseling service six years ago. I managed to pay off my debt in three years; they planned it out at five years. At our first meeting they told us our income exceeded our expenses and they couldn’t help us. They felt that bankruptcy was the only answer. I went out and got a small part-time job and went back to them a month later. They were…

I am a newbie in a financial hole

Hi everyone, I am a newbie in a financial hole looking for a friendly hand to help show me how climb out of this mess. I got laid off 2 yrs ago and have been struggling with my own business since then. Just cut up 6 maxed out credit cards totalling $60K. Now of course my late payments are raising interest rates and late fees, etc. Should I seek the…