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Author Archives: Consumer

What can I do about my 25 year old student loan debt?

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My student loan is over 25 years old. I do have an inconsistent payment history. I am now having my wages garnished and have been for over 5 years. What are the laws about a loan that is over 25 years but hasn’t been payed on consistently? I have definitely paid well over the loan amount. Mark Read More »


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    Good Day i just need some help and advice on how to get my act together. Im in debt with credit cards about lets say near $50,000 im not behind yet but its getting harder. My credit is not good which you would know that is i cant get a loan.Im thinking about NEW ERA which in your colume you ... Read More »

      Can’t Afford 200K Penn State Student Loan Debt. Unemployed.

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      I’m 24 years old and I’m stuck in a situation I can’t seem to get out of. I went to college like all others after high school. It was Penn State, not my first choice, but because of my mom having brain surgery and being strapped for money medically. I could only pick a place out of transportation and cost. ... Read More »

        What happens if I don’t pay my student loan debt back?

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        I owe $190,000 in student loans, i have yet to find a job, what can i do to lower the payments monthly, i have no private loans, what will be the outcome if i don’t pay the loans back? Marquis Read More »

          Reselling of college loans creates fees and penalties.

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          My daughter had college loans through both of the universities she attended as well as Sallie Mae. She was contacted by one of these loan consolidation companies to bring down her interest, etc. She filled out the paperwork and everything was consolidated. The arrangement was made that the loan company would take the payment out of her bank account every ... Read More »

            Debt Issue in Dubai.

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            Hi I have been reading the discussion forums on your site and find it quite imformative. I lived all my life in dubai and was working for a mnc company there, during this time i took cards and from several banks that amounted upto usd 5O,OOO. I was able to manage payin the banks until i had this job, i ... Read More »

              Who is the best at settleing IRS debt/lien problems?? Blue tax wants almost as much as the lien with no guarantees PLEASE help

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              We have a severe IRS problem. have been making EVERY 850.00 a month payment. They just levied for 8,400. said it was another matter..don’t understand how a working man is to make it..we are not cheating them out of any money..they just keep assessing, assessing asssessing…what a mess..Blue tax wants me to send 3400.. right now..for the lien 0f 8200 ... Read More »

                How to help my elderly mom get her credit card bills paid off.

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                My mom signed up with a company to help pay off her 26,thousand dollar credit card debt which they told her instead of paying that amount she would be paying 10 thousand less so after they took over 5 thousand dollars from her checking account that she could have used that to pay off two of the credit cards I ... Read More »

                  How do I find the address of Next Generation Debt Settlement that scammed us?

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                  I wrote about Next Generation Debit Settlement a couple of months ago asking for advice on how to get our money back from them. They have $2400.00 of our money. You suggested following steps in your program, one of which is to send a certified letter to the company. I sent a letter, which is now returned because they are ... Read More »

                    I Was Paying a Debt Collector for a Garnishment and They Went Out of Business. Now What?

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                    Back in July of 2009 I had a wage garnishment for a credit card with a collector who went out of business, they garnished my wages for about 4 months before they went out of business. I was issued a final garnishment payment from the court. In July of 2011 I receive a letter from another collector stating they are ... Read More »

                      Debtone Financial Solutions – Consumer Complaint – 1-10-2012


                      Date This Problem Happened: January 9, 2007 State You Live in: Alaska Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: $2,468.68 Company Name: Debtone Financial Solutions Company Address: 3605 Long Beach Blvd Suite 416 Long Beach, CA 90807 Company Telephone Number: 562-424-2445 Website of Company: Consumer Statement: In 2007 I paid DEBT ONE A money management company ... Read More »

                        Do they have to go by California law or since I live in Kentucky?

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                        back in 2001 I got my first credit card and i lived in california. I was hurt on the job and was unable to pay. the late fee and other add on fee added up to a large sum of money. my credit limit was only $200. today 1/09/2012 i live in kentucky and these people contacted me wanting me ... Read More »

                          I’ve got a bad feeling about Clear One Advantage & Option One

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                          My husband has approximately 10k in mostly credit card but some medical debt. I have almost no debt. We cannot afford to make the payments on his credit cards. We were thinking about using ClearOne advantage to “settle” this debt and pay it off in 2 years. I am very concerned that we will be making the wrong decision here. ... Read More »

                            How can I go about raising my credit score?

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                            My credit score 561 at this time.I would like to buy home before 12/12. I have paid off debt except two. One debt was a used car place where I returned the car in about two months due to problems in 2007. I have disputed the amount because of the situation with the vehicle-What options due I have in this ... Read More »

                              Adult Entertainment Management Business Plan Questions

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                              I am putting together a business plan to manage my friend’s exotic dancing career. She’s is happily married and business minded….Though this is my friend, I am researching what legal aspects need to be addressed in writing initially..Also does she work for me or the other way around. Can we both be considered self employed? Or should I incorporate and ... Read More »

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