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Author Archives: Consumer

Medical Bills Led to Unemployment and Now Fighting About Money. – Cathie

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In 2007, I had a good job, as did my husband, and we were making about $80,000+ a year. Everything was good and we had credit cards that we paid off regularly, bought a car because mine blew up, basically we made all our mortgage, credit, car and other payments on time. Then, in 2008, I ended up with a ... Read More »

    What Are the Options for Timeshare Owners Who Want Out? – Hollis

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    I own a timeshare that I wish I didn’t own. I paid about $12000 cash for it – no debt – and have kept current on my quarterly maintenance payments of about $160. Without going into too much personal detail, the problem is – I’m probably never going to use it. And there are thousands of happy fools just like ... Read More »

      Tulane University Says I Owe Them a Lot of Money. – Zach

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      I attended Tulane University and a lawyer recently contacted me on their behalf stating that i owe them 13k plus the 4k in lawyers fees that they needed to hire him. I called the lawyer and he asked me what i could realistically pay and i said 400 down and 150 a month, they then told me that they want ... Read More »

        Fast Debt Solution Went Out of Business But Took Their Fees.

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        my problems started about 5-years ago.the first thing is i lost my job,then my wife was forced into retirement with a lump sum of about $12,000.00 before taxes. Next was Hurricane Rita that total destroyed our Home.Insurance covered the rest of the mortgage which left us with very little.On the money we received we had the cleanup of trees, debris ... Read More »

          Should We Really Be Considering Debt Settlement with Consumer Attorneys of America? – Michael

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          My wife is considering the pursuit of a debt settlement for two credit cards of which total around 28K. The company titled, Consumer Attorneys of America, contacted us and recommended that we not pay our bill for the cards. We have never missed a payment, but are unfortunately facing that possibility in the very near future. We were advised that ... Read More »

            We Contacted Greenpath for Help But Can’t Afford It. – Gary

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            After 20+ years of maintaining 720+ FICO scores, my wife and I ran up credit debt of about $15K back in 07 due to some health and employment issues , but this was manageable. We stopped using the cards, began giving them more than the minimum each month and took advantage of 1 year no-interest offers to reduce the balance ... Read More »

              Will I Go to Prison in Dubai for My Father’s Debt? – Noor

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              My father has been trying to run a trading company in UAE for the past 15 years. Things have always been tough but have become a real mess after the recession. To help me out , my father had added my name as a partner in the trade license (17% share). This helped me with immigration as a single mother ... Read More »

                Should I Fire Legal Helpers Debt Resolution? – Lucy

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                I have been with Legal Helpers Debt Resolution since April 2010. As I’ve read from many others, they have faithfully accepted my monthly payments, via a Global Client Solutions account, but have not paid off anything. I was reading your steps to “fire” them, and I have a couple of questions please. I see below where the questions would be ... Read More »

                  DUBAI CREDIT CARD DEBT – Joseph

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                  Hi.. I am Joseph. I seek your good advice to know something about dubai credit card debt. I use to work in dubai from 2006-2008 and while this tenure I hold a credit card of a local bank and as the world knows in the financial crisis of dubai most of the indian and other countries expats lost their jobs ... Read More »

                    What is “payment of intent” in regard to collecting a debt? – Jeri

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                    My husband passed away this month and he had a Sam’s Club account in his name that they are trying to collect on. The collector said I could settle for 85% of the balance OR make a “payment of intent” but they don’t say how much that is. There is no estate as our only income was from social security. ... Read More »

                      Would you continue making payments in my situation? – Dan

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                      Defaulting on 80/20 interest only loan intentionally. Have enough income to make mortgage payments. Home is approximately 100,000 underwater. Entering 6th year of mortgage, nothing towards principle at all. Payments adjust in 4 (2016) years with an increase of 400 dollars. DO NOT qualify for loan remodifications due to sufficient income. No chance of refinancing in the near future. 1ST ... Read More »

                        Getting a refund from the Hoalm Advocate? – William

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                        I went through My Hoalm Advocate around feb/march of 2011 ( that time they had an A rating from BBB). to make it short my house was forclosed on and in the agreed signed paperwork it stated I was to get a full refund of 3995.00 if they did not save my home. They requested I send them a notarized ... Read More »

                          Will I be able to get a job in this situation. I’m on ITC. – Nelisiwe

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                          I was working in a bank as a teller and I had clothing accounts and I paid I used to pay them the right way but then I lost my job then couldn’t pay my debts because I was on contract now I’ve asked my employees to reinstate me now they can’t because I’m on ITC please help and I’m ... Read More »

                            Planning to Buy Foreclosed Nevada Home for Retirement. – Danel

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                            Husband is retiring next year. Plan to buy a foreclosed house in Nevada for retirement. My husband got meager amount of money saved at Tiaacref. He wanted to take out $80,000 from that retirement fund, give daughter $30,000 to buy her own house and use $50,000 to put down or buy a foreclosed house in Nevada. My question is: Can ... Read More »

                              Active Military With a Debt Consolidation Loan We Can’t Afford. Can I Go to Jail? – Carol

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                              My husband and I were in a “good” financial situation. I had paid off the credit cards with a consolidation loan for which I am paying $800.00 per month. In 2008, I lost my job (we are military and got transferred). we ran up the credit cards again…We now owe about $60K, plus bills, two young kids (growing like weeds). ... Read More »

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