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Reader Questions

I’m 72, Unemployed and Living on Social Security But Have Credit Card Debt. – Judy

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I am 72 lost my job in 2010 my Unemployment benefits run out May 30 I owe about about 8K in credit card debt and am paying an old line of credit bill that my husband will not help with the balance is 11,700.00. My total income is 1300 per month from Soc. Sec. I pay my car payment, Verizon ... Read More »

Are CareOne, MMI, Clearpoint, or GreenPath Credit Counseling Companies Legit? – Leah

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$26,000 in credit card debt and medical bills piling up since my surgery last year. I lost one income since my surgery and only able to make minimum payment on my credit cards. I have been looking into several credit counseling companies for a week now and I would like to get in a Debt Management Plan. I would like ... Read More »

My Credit is Ruined and I Just Got Laid Off. How Can I Improve My Credit Once I Get a Job? – Tina

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I recently got laid off and I have a lot of credit cards and other bills that I can’t pay. I have no savings and I recently checked my credit score and it’s already being ruined. I’m afraid if I don’t get a job soon I’m never going to get out of debt or save my credit. I need help! ... Read More »

Can the Farrell Law Group Collect on My American Web Loan Account? – Tammy

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I got a loan from American Web Loan and I though I paid this back in the amount of 360.00.Then I received a call from Eric at The Farrell Laws Group LLC at Po Box 32274 Kansas City Missouri 64171 Who says American Web Loan turned it over to them and they want me to pay them 900.00 or a ... Read More »

My Disability Income is Being Garnished And I Was Thinking About Blue Tax. – Gene

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PRESENTLY MY TOTAL INCOME IS FROM A PRIVATE DISABILITY POLICY AND SOCIAL SECURITY DISABILITY. RECENTLY I DISCOVERED THAT IRS HAS GARNISHED 15% OF MY SOCIAL SECURITY INCOME AND 90% OF MY PRIVATE DISABILITY INCOME. I WAS CONSIDERING USING A TAX RELIEF SERVICE (BLUE TAX) AND I APPRECIATE YOUR APPREHENSION ABOUT THEIR DECEPTIVE ADVERTIZING AND THEIR FAILURE TO GIVE YOU A ... Read More »

I Thought Once You Filed Bankruptcy You Could Not Do That Again. – Anastacia

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debt piling up and have went bankrupt 6 years ago Cant pay car note anymore and have tried everything possible and you suggested bankruptcy but I thought once u go chapter 7 you cant file again. I was thinking about doin a voluntary repo on my vehicle is this a good idea when i have tried all option such as ... Read More »

Can a Private Student Loan Lender Still Collect After Ten Years? – Brad

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I recently received a phone call from my ex wife stating we owe $14K on a private student loan that was taken out over 10 years ago for me to go to school. The loan was not paid and now we are in danger of being sued by the company that bought the loan. Does the statute of limitations apply ... Read More »

I’m Thinking of Going to Work for Oak View Law Group. What Should I Do? – Angela

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I am considering going to work with oak view law group but have heard horribly bad things about the company. What should I do about my design? Angela This is your chance to be a hero and help out this person by providing your feedback and answer to the question in the comments section below. Read More »

I Can’t Reach Anyone at Stratton & Fenstein Which is Now Legal Helpers. – Alan

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I have working with Stratton & Fenstein which is now Legal Helpers. My Problems is I can not speak with customer service person. Alway speak to a machine.Fund or being take from checking account. The only thing being paid service provider activation fee no settlement being paid since 9/2009. Alan This is your chance to be a hero and help ... Read More »

We Cosigned for Some Student Loans for a Friend. How Do We Get Released? – Michael

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My wife co signed for some student loans for a friend a few years back. Now that we are married it has come back to haunt us both personally and financially. The bank and student had originally told my wife that she could be let out of the co sign. Now sallie may says no. The student is willing to ... Read More »

I Closed My Checking Account to Get The Payday Loan Companies to Negotiate With Me. – Michelle

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im in a mess with payday loans. i was going to work with progessive, but i read your response and decided not to involve myself with them. of course, it started with one and went from there. i also have had two deposits made to my account that i am positive that i did not apply for, but i cant ... Read More »

I’ve Been Approached by Brookstone Law for a Mass Joinder Against Wells Fargo

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I have been approached and gone through the preliminaries to be a mass joinder against Wells Fargo/Wachovia (“pick-a-point” cica 2005) From Brookstone Law in orange county, CA. They want approx. $6K to initiate and 35% contingency. the case win ceiling is $750K. Are they legitimate? Please advise. Thank You, This is your chance to be a hero and help out ... Read More »

Debt Collectors Threaten Me With Legal Action for a Debt I Already Paid. – Mike

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In July of 2010 I took a payday loan from MyCashNow for $300.00 to tide me over while I switched jobs. I went to work for a bank and started using a bank account that was provided to me. I stopped using the original account I took the loan from. They were unable to get their money since the account ... Read More »

I’m Unemployed With a Lot of Debt. Is Going Back to School a Good Option?

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unemployed for months degree seems to be worthless , with lot of debt, companies checking credit score doesnt help…is grad school worth it? i have lot of debt, i graduate from college i couldnt find a job i lived off credit cards, then my student loans started kicking…still cant find a job my degree has depreciated…is going back to college ... Read More »

Stratton & Feinstein Account Was Taken Over by Legal Helpers Debt Resolution But Creditor Won’t Settle

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I originally signed with Stratton and Feinstein as a debt consolidation. It was later bought out by Legalhelpers and everything changed. I am about to close out and finish up and I keep running into stall tactics. They won’t settle the last debt saying that the party won’t negotiate. When I try to ask what the issue is, you realize ... Read More »

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