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Author Archives: Consumer

How can I get rid of my third mortgage but keep the house?

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I have a third mortgage or heloc on a property. I would like to keep the home but I need to negotiate on the third loan. The first loan in 54k, the second 116k and the third is 88k. The third has not been paid for months and has gone from the bank to a debt collector. Zillow says the ... Read More »

    How can I payoff my online payday loans quickly?

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    I have one big question, I have 5 online payday loans and I have been doing good such as trying to pay down or pay off my accounts. Now, the fees are getting to me extremely high and not doing anything with my principal balances. Instead of going thru these debt settlement companies, is there anything I can do to ... Read More »

      How can I operate my business and personal life without a bank account?

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      Self employed developer in FL. Have paid off over $200K in debt; now down to my last $80K of unsecured debt. Don’t want to file bankruptcy and really can’t, but have run out of time with a couple creditors & the wolves are at the door. My house is underwater but I am current….both cars have locked up notes on ... Read More »

        AES American Education Services – Consumer Complaint – 2-8-2012

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        Date This Problem Happened: February 7, 2012 State You Live in: North Carolina Race/Ethnicity: Black or African American Age Range: 21-35 Total Amount of Fee Paid: Company Name: AES American Education Services Company Address: PO Box 2461 Harrisburg, Pennsylvania 17105 Company Telephone Number: Website of Company: aessuccess.org Consumer Statement: My loan defaulted after I was finaly able to pay a ... Read More »

          Should I file bankruptcy or hire a financial advisor?

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          I am not feeling very confident about filing bankruptcy. Since we are both back to work, the plan it has gone from ch 7 to ch 13 (way more expensive) and the attorney’s plan is: “proposing a plan payment of $700/month (10% dividend to unsecureds) and you guys putting the excess of your disposable income over that amount into a ... Read More »

            The bankruptcy lawyer says I will lose my home if I file bankruptcy. Is this true?

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            I have a situation similar to one of your other readers. A large amount of credit card debt of my daughters when they were having troubles and now she can’t make the payments. I am struggling to keep up but because I am a widow and only have limited income at this point I can’t keep it up if she ... Read More »

              My Ex-Girlfriend Stole My Taxes Refund. What Should I Do?

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              Thank you for taking the time to answer my question. My ex girlfriend used my information to file for my tax returns. She has already received the pre paid card with my money. I want to know how i can find out what pre paid account company she opened in my name. Is there a website that can search any ... Read More »

                How To Handle Private Student Loan Debt?

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                To whom it may concern: Recently I just went into repayment with my private student loans. Prior to repayment we consolidated all my private loans into one pool, totaling about $100,000. My first payment was due in the amount of $800 on 1/22/2012 and of the $800 i could only pay $200. Since then of course the bank has been ... Read More »

                  Junk Debt Buyer- Asset Acceptance

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                  I had a Citibank visa card that was written off several years ago, around 10. Last year that debt showed up on my credit report with Asset Acceptance now owning the debt. What was around 5k i now 7k. Do I have to pay this debt.? How do I handle it? Sheila Read More »

                    Storage Charges After Repossession in Mass.

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                    My car was repossessed 5 January 2012. It took me a few weeks but I finally paid-off the loan, thank God. Now I just have to pay the storage yard that has my car. They’re demanding about $1000! Every day I don’t pay it goes up $35! Is there a maximum they can charge in Massachusetts? I’ve found that the ... Read More »

                      Deceased spouse and 1099 tax forms

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                      I received a few 1099 tax forms for my deceased husbands credit cards. I am not on any of these cards and theyt are soley in his name. one is also a buisness credit card that i received a 1099. I realize that i have to file them with my taxes and its assumed as income for me cause i ... Read More »

                        Credit Card Debt is Dragging Us Down in Nevada

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                        2 yrs ago we moved to a different state ( Nevada ) to start new employment in the hospitality indistry. My husband and I had a good credit rating at the time and did have a few credit cards that we managed very well. We both struggled with our careers and it affected our credit ratings as it took a ... Read More »

                          NuHavens – Consumer Complaint – 2-7-2012

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                          Date This Problem Happened: February 1, 2008 State You Live in: Colorado Race/Ethnicity: White Age Range: 21-35 Total Amount of Fee Paid: $6,500 Company Name: NuHavens Company Address: Company Telephone Number: 866-724-0439 Website of Company: Consumer Statement: MY BILLS WE NEVER NEGOCIATED..THEY PROMISED MY MONEY BACK (6500.00) IN 3 TO 4 WEEKS…THAT WAS 6 MONTHS AGO Consumer Action Taken: I ... Read More »

                            Savemore.com – Consumer Complaint – 2-5-2012

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                            Date This Problem Happened: September 4, 2011 State You Live in: Florida Race/Ethnicity: Black or African American Age Range: 21-35 Total Amount of Fee Paid: $198 Company Name: Savemore.com Company Address: Company Telephone Number: Website of Company: savemore.com Consumer Statement: I purchased two vouchers each were for 99.00 for a Walt Disney world resort. When my husband and I went ... Read More »

                              Nationwide Financial Consulting – Consumer Complaint – 2-5-2012

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                              Date This Problem Happened: August 26, 2011 State You Live in: New York Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: $700 Company Name: Nationwide Financial Consulting Company Address: 4952 Warner Ave. Suite 100 Huntington Beach, CA 92649 Company Telephone Number: 877-717-0940 Website of Company: nationwidefinancialconsulting.com Consumer Statement: I sent out two checks in September 2011 for an ... Read More »

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