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Author Archives: Consumer

Massive Credit Card Debt, Three Kids in College, and Getting Nowhere. – Mike

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My wife and I are both employed and make decent money $125,000 a year. We have three in college. We never get any financial aid because the formula does not take into account the massive credit card debt that we have $45,000, we also have our own student loans from making career changes. After we make a little more than ... Read More »

    Can I File Bankruptcy in the U.S. if I’m Living in the Dominican Republic? – Doyle

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    I ran successful family building and development business for many years in Hawaii. Left company to others to manage as I transitioned to retirement in the Dominican Republic. We owned several parcels of raw land in various stages of development. In last few years, the properties dropped in value over 50% and the banks required us to liquidate all holdings. ... Read More »

      The IRS Has Not Debited My Account Yet. Should I Worry? – Art

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      I’m almost debt free. Used to be in debt and owed back taxes. I am now almost debt free (thank to awesome people like you) and will be up to date with my taxes within 30 days. I filed my 2011 taxes Two weeks ago Saturday. My CPA said the IRS will debit my bank account on 3/20 for Federal ... Read More »

        Universal Fidelity – Consumer Complaint – 3-21-2012

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        Date This Problem Happened: March 16, 2012 State You Live in: Oregon Race/Ethnicity: White Age Range: 36-50 Total Amount of Fee Paid: Company Name: Universal Fidelity Company Address: P.O. Box 941911 Houston, Texas 77094-8911 Company Telephone Number: 281-647-4156 Website of Company: payuflp.com Consumer Statement: A few days ago, me and my wife recieved a letter in the mail from a ... Read More »

          I’m Drowning in Interest Only Salle Mae Payments

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          I have three private loans with Sallie Mae the first one is 13.25% and the other two are at 10.25% I’ve been paying them since 2006. I was unable to consolidate in 2006, 2007, 2008, 2010, 2011. I’m at a point were I can only afford interest only payments nothing towards principal because I can’t afford it with rent and ... Read More »

            Universal Fidelity – Consumer Complaint – 3-18-2012 (2)

            Hollywoodvideo

            Date This Problem Happened: March 17, 2012 State You Live in: North Carolina Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: Company Name: Universal Fidelity Company Address: 1445 Langham Creek Dr Houston, TX 77084 Company Telephone Number: 281-647-4156 Website of Company: payflp.com Consumer Statement: Hollywood Video had a going out of business sale where they sold all of ... Read More »

              Universal Fidelity – Consumer Complaint – 3-18-2012

              Hollywoodvideo

              Date This Problem Happened: March 16, 2012 State You Live in: Utah Race/Ethnicity: White Age Range: 36-50 Total Amount of Fee Paid: Company Name: Universal Fidelity Company Address: PO Box 941911 Houston, TX 77094-8911 Company Telephone Number: 281-647-4156 Website of Company: payuflp.com Consumer Statement: I am very careful when it comes to returning movies. I hate paying the higher fee ... Read More »

                Freedom Debt Relief Sent My Account to Century Negotiations Inc. I’m Confused. – Adam

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                I recently contacted Freedom Debt Relief to try and get out of around 8000.00 in debt. I felt comfortable talking to them because they didn’t ask for any fees right away and seemed like they were better than a lot of the stories out there made them seem. I have been struggling with this debt for 7 years and it ... Read More »

                  Legal Helpers Debt Resolution – Consumer Complaint – 3-16-2012

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                  Date This Problem Happened: April 1, 2010 State You Live in: Ohio Race/Ethnicity: White Age Range: 36-50 Total Amount of Fee Paid: $8,000 Company Name: Legal Helpers Debt Resolution Company Address: PO BOX 14010, Irvine, california 92623 Company Telephone Number: 888-300-3555 Website of Company: legalhelpers.com Consumer Statement: To whom it may concern Hello my name is Gary I have an ... Read More »

                    Is The Real Estate Law Center Legit? – Bill

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                    I owe more than they say the house is wirth so I have been trying to geta re finance to a lower rate since I pay 6-1/8 interest rate now interest only loan and will rollover to interest and principal payment next year. I was contacted by the real estate law center Pc and right now I am at the ... Read More »

                      I Have a Judgment Against Me for a Car Loan. What Are They Statute of Limitations?

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                      I have a judgement for a car loan against me in Virginia for $12,980 that was awarded to the finance company in August 2009. It is now March 2012. The judgement is on my credit report. I live in North Carolina and have been here since 2009. If I’m not mistaken I was also supposed to pay interest in the ... Read More »

                        Consumer Credit Repair / RepairMyCredit.com – Consumer Complaint – 3-16-2012

                        Repair My Credit | Fix and Rebuild My Credit (20120316)

                        Date This Problem Happened: April 10, 2011 State You Live in: California Race/Ethnicity: Other Age Range: 21-35 Total Amount of Fee Paid: $900 Company Name: Bob Tarr / Consumer Credit Repair / Robert Tarr Company Address: 122 South El Camino Real Suite 147 San Clamente, CA 92627 Company Telephone Number: Website of Company: RepairMyCredit.com Consumer Statement: I am a conusmer ... Read More »

                          Can We Do a Short Sale If There Are Four of Us on the Note? – Haydie

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                          My daughter owns a property. She owes $450.00 There are 4 of us in the deed. Only my daughter & my husband are in the mortgage. However, my daughter changed to a new job taking a drastic cut. My husband is laidoff. My daughter’s husband is also laidoff. I have been on permanent disability since 1996. We would like to ... Read More »

                            Universal Fidelity – Consumer Complaint – 3-15-2012

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                            Date This Problem Happened: March 7, 2012 State You Live in: New Mexico Race/Ethnicity: Alaska Native Age Range: 36-50 Total Amount of Fee Paid: Company Name: Universal Fidelity Company Address: 1445 Langham Creek Drive Houston, TX 77084 Company Telephone Number: Website of Company: uflp.com Consumer Statement: Got a notice from Universal Fidelity, LP Legal Successor of Hollywood Video claiming to ... Read More »

                              Universal Fidelity – Consumer Complaint – 3-14-2012

                              Screen Shot 2012-03-14 at 6.01.18 PM

                              Date This Problem Happened: March 7, 2012 State You Live in: Virginia Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: Company Name: Universal Fidelity Company Address: PO Box 941911 Houston, TX 77094-8911 Company Telephone Number: 281-647-4156 Website of Company: uflp.com Consumer Statement: I received a letter from Universal Fidelity, LP, PO Box 941911, Houston, TX, 77094-8911 seeking to ... Read More »

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