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Reader Questions

Can Credability Help Before We Run Out of Money? – Jim

justball-144x125

Most of my debt is 90k in a HELOC, and $10k in our home equity loan at the same bank, 27k in 3 PLUS loans for my older daughter, $12k for one auto loan and $13k for the other. Real estate tax is $5k/year, condo/community fee about $2600. We purposely used the line of credit instead of running up credit ... Read More »

Got a Call From Barnes Givenski & Associates About Check Fraud

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Chapter 7 bankruptcy filed and discharged in 2009; we did use an attorney and we did list every single debt we were aware of at the time. We live in Colorado. Today I received a call from Mr. Washington with Barnes Givenski & Associates. The caller-id number that came up is 678-819-4985. Mr Washington left me a message stating he ... Read More »

Who Can Sallie Mae Get Away With Not Following Direct Loan Rules?

justball-144x125

I am confused on how Sallie Mae gets away with this. My Sallie Mae loans is considered a private loan, so why am I unable to declare bankrupt on it? If they are a true school loan then won’t they allow me to have income based payback option? Why don’t they have to follow the same rules as Direct Loans? ... Read More »

What is the best solution to my debt problem? – Jean

justball-144x125

HELP! I am going under. What are my options for the following scenario??? Recently Divorced, 57 yrs. Income:Teacher Annual Salary: $50K ~30K credit card debt Own Home @ 5.99% on a fixed 20 year note (Bank of America) Pay Property Taxes separately.(~$5K Annually) 5K balance on “Line of Credit” (B of A) Not behind on any bills… yet. I’ve tried ... Read More »

I am on disability, owe a lot of money on parent plus loans, what can I do? – Bonny

justball-144x125

I was working full-time when I took out the first parent plus loan in 2000. The consolidated loans payment is $225.00 per month at 4%. I have continued paying on this loan, no deferment yet. I was unemployed, collecting unemployment benefits when I took out the second set of parent plus loans, and now those payments are over $300.00 a ... Read More »

Capital One Told Me They Don’t Own My Debt Anymore. – Wendy

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Even though they can’t collect on a judgement against me, I would like to avoid one, especially since it appears to be a bottom-feeding JDB who is suing me expecting a default judgement. I want to make them squirm. The debt was from a Cap One credit card, but was charged off and either sold or assigned to such and ... Read More »

I have a Uk company chasing me for Dubai debt. – Sian

justball-144x125

Hi steve, I have debt in dubai of 10,000 AED and has now accumulated to 36,000 AED (because of interest) I have just recieved a letter from a UK company acting on behalf of UAE to recover debt. Is their anything the UK can do to me? Or any legal advise I should get? They are threatening me with Interpol ... Read More »

LNVN Funding is trying to collect debt that is not mine in West Virginia. – Melanie

justball-144x125

I am wondering if LVNV is licensed to collect in WV. What is WV SOL for credit card debt? There are two credit cards that were charged off in 2006 that I didn’t open. I never authorized anyone to open any credit cards in my name. There were opened in 2005 and 2006. I didn’t know they were on my ... Read More »

Bankruptcy right for me???

justball-144x125

I was out of work for almost a year and I also had an online smoking accessory company. Mostly lighters, ashtrays and cigar/cigarette cases but that went out of business this summer. My credit card debt went pretty high because of the trying to maintain the smal business and living day to day while I was looking for work. I’m ... Read More »

Business is Slow. I Don’t Think I Can Keep Up With My Bills. – Jim

justball-144x125

In credit card debt, business is slow.. Have made payments on time up till now, but its so slow at my work lately dont think i can keep up with the bills. I have over 100,000 in credit card debt all personal used for my business over the years.. now i realize its a problem.. My business has gotten so ... Read More »

Leaving the US to get rid of school loan debt. – Leah

justball-144x125

I am 22, and swimming in a mountain of debt. Probably about 2,000 in credit card debt, 7,500 from a car repossesion, 4,000 in medical bills, 2,000 from a car accident that I got into while I was uninsured that was my fault, and the biggest pile of all, 40,000 in school loans. I heard that leaving the US and ... Read More »

Sued by Mendelson Law Firm on Behalf of Asset Management for Capital One. – Theresa

justball-144x125

I’ve been sued by Mendelson Law firm on behalf of Asset Management for a debt of roughly $3500 owed originally to Capital One. In February of this year I offered a settlement amount of $1300. After about 5 days they countered at $2300, I re-countered at $1500. I’ve made $50 payments on the 15th and 30th of each month while ... Read More »

How do I get out of this payday loan cycle of doom. – Joe

justball-144x125

I live in CA. I took out 9 payday loans. I have been paying nothing but interest and finance fees. From what I understand, it is illegal to have more than one payday loan out at a time in CA. Does this negate my other 8 current loans? None of my lenders are in CA, they are all out of ... Read More »

How can I avoid getting arrested in the airport in UAE because of a cheque placed there?

justball-144x125

me and my husband used to have a company in Dubai, however the company bankrupt and we canceled it later on, there is this one cheuqe written in my husbands name and the receipt was in my name the man after he got paid and me and my husband left Dubai placed the cheuqe at the airport !! will i ... Read More »

Can I escape $2000 worth of debt in US by never coming back? – Robert

justball-144x125

I owe TechCu and ATT $800 each. and i’ve been unemployed for almost a year. i’m tired of living in California w/o money. if I move Back to my home country Philippines and start over. and never come back to USA. do you think this amount of debt will chase me and affect my new life? thank you! Robert Read More »

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