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Reader Questions

Can the Bank Change My Chapter 13 Bankruptcy Payment Plan Afterwards? – Bryce

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I filed for chapter 13 in February 2006 with a payment plan that would pay off unsecured debts of credit cards, personal loans, and did a voluntary repossesion of my vehicle. The plan was for a dollar amount to be paid over 56 months. About April 2010 I recieved a letter from the Trustee stating the current payment plan would ... Read More »

How Do I Get Out of Payday Debt? I Have 10 Payday Loans. – Robin

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I have never missed a payment but am scared it is going to happen for I have 10 payday debts. I am grateful for help but can’t keep up payments. My question is can I get help consilidating these payments so they get thier money they loaned me,but keep it affordable so I can stop the cycle. Robin It’s time ... Read More »

Should I Accept a Chase Settlement Offer on My Mortgage by Email? – Leo

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I HAVE 2ND MORTGAGE WITH CHASE FOR 200,000 AND I’VE REACHED A VERBAL AGREEMENT OF 33,000 WITH A CHASE NEGOCIATOR. HE HAS TOLD ME THAT MY LOAN HAS BEEN CHARGED OFF BACK IN OCTOBER 2009. THIS AGREEMENT WAS DONE OVER THE PHONE ON NOVEMBER 10, HE SAID TO ME HE WAS GOING TO CALL ME BY NOV.15,BUT NEVER CALL. HE ... Read More »

I Have a Legal Issue With Kirkland Green But They Have Vanished. – JMG

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I have a legal issue pending with Kirkland Green but they seemingly have disappeared in the last month or two. Does anyone know the current status of Kirkland Green? Have any of you used this company for debt settlement? Are any of you currently involoved with Kirkland Green (do they still have your money)? Have any of you recently received ... Read More »

FBL Associates Referred Me to Evan Kagan to Eliminate My Debt. – Annete

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I have been reading about Evan Kagan Legal Debt Agreement to settle some debt with the creditors. I have yet to speak just to 3 party in the firm when i call them, leave messages and no answer, or they will get back to me, same day or in 24 hours but my knowelge i have no answer. Is this ... Read More »

I Want the Government to Pay Off My Credit Card Debt. – Mel

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HOW DO I GET GOVERNMENT HELP TO PAY OFF CREDIT CARD DEBT THAT I HAVE OWED FOR A LONG TIME. FROM PREVIOUS MARRIAGE. IT IS STRESSING ME OUT. NEED SOME ADVISE TO GET OUT OF THIS MESS I AM IN. CAN YOU HELP MEL It’s time to put debt behind you and start dreaming about your life after debt. – ... Read More »

How Can I Get My Student Loan Forgiven? – Pamela

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I am trying to find out how I can get my loan forgiven or part of it. I believe I did not benefit from the Institution for whom I received the Loan for and was not properly guided in the beginning or ending stage to secure a good job. It has been over 15 years and they are holding my ... Read More »

Bank of America Agreed to Settle My Debt But Sold It. What Can I Do? – Mani

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1) I agreed to settle my debt with BOA on day X. 2) I requested to have a settlement letter sent and was told that it would be faxed on day (X + 1). 3) On business day (X + 2), I called because I ddi not receive my settlement letter. I was told that the debt was sold on ... Read More »

I Am Being Sued for Not Having the Collateral. – Mike

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I took a loan for 176 and had too repay 250 I paid about three payments before renewing it. now i haven’t been able too pay the payments for about two months. so they are sueing me for not having the collateral that i put down. i’ve offered too make payments at a lower payment for two weeks in stead ... Read More »

Divorced, Family Support Payments, Girlfriend, New Baby, and I’m at the End of My Rope. – Paul

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Divorced, family support payments of 2538 a month, girlfriend with new baby, not discharged from bankruptcy. With this big family support payment it has left me in the red every month and I dont know what to do anymore, between rent, truck payment, baby and everything else you need to survive from day to day I dont know where to ... Read More »

How Can We Reduce Our Interest Rates So We Can Pay Our Own Way? – Joan

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Husband out of work, medical bills billing up only 1 income and starting to slide downhill on higher interest crds would like to know if we can reduce interest rates and late fees on some of the cards, where as some of the cards have ok interest rates dont want to declare banko would like to pay our way Joan ... Read More »

Am I Being Scammed by Consumer Relief Solutions? – Kent

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I was offered a reduction of interest on my credit cards at a cost of $690.00 by consumer relief solutions which claim to save me $2,500.00 in a short amount of time. interest rates. Am I being scamed? I there a better way for free? If so who can lower my interest rates for me? Thanks for listening, Kent It’s ... Read More »

What is Going on With Expert Settlement Professional? They Are Missing. – Donna

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what is the story with Expert Settlement Professionals….what is going on here I subscribed, I am paying for service, they are no longer reachable by phone or mail; fbl asso, the contact legal agent no longer represents customers; they are still receiving payments from us are they legitimate; where can they be reached; all my contacts are either disconnected or ... Read More »

I Just Spoke to Someone With Legal Helpers Debt Resolution and I Am Not Sure About This Plan. – Liz

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I am searching for the best solution for taking care of my credit card debt, which is around $16,000. I just spoke to someone with Legal Helpers Debt Resolution and I am not sure about this plan. And I have been reading the posts on your website regarding debt settlements and now I don’t think this is the way to ... Read More »

How Do I Get Out of Our Mortgage in Florida? – Paul

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Bought our villa of plan in 2005 in Kissimmee paid $325000 got a mortgage for $244000. Then the economy took a nose dive the villa is probably worth about £165000 been as low as$135000. never missed a mortgage payment ,but I am now struggling to keep up the payments. What would be my way out of this mortgage as the ... Read More »

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