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Author Archives: Consumer

What can I do to clean up the last hang ups on my credit report? – Jon

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6 1/2 years ago, my wife and I got married. She had just graduated college and apart from student loans, we had worked to eliminate her debt. Neither of us had car loans, I had a credit card with no balance, and I had just bought a house. This is where it gets ugly. I couldn’t technically afford the house ... Read More »

    I Can’t Reach Anyone at FBL or Lifeguard Financial. – Taunya

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    Three years ago my credit was perfect but I was in over my head and was solicited by Lifeguard Financial. They were very convincing in telling me that I could cut my credit card debt in half and reduce my monthly payments. They were not upfront about the fees. I have been making payments to them through Note World all ... Read More »

      How Do I Get My Tenant in Dubai to Pay His Rent if His Cheques Are Bad? – Bwana

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      My tenant in Dubai is in the middle of a one year tenancy agreement under which four post dated cheques were issued. Only one cheque has been honoured and two have bounced. I have sent him numerous polite requests to pay in cash. No answer. I am an absentee UK landlord of an apartment in JLT (Dubai) and two rent ... Read More »

        My Sears Card Was Purchased by a Debt Collector And Then Sent to Another Debt Collector. – Jo

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        I had a debt with Sears store card and the debt was bought by a third party. This company (debt collector) send me several settlement offers until I accept one for half what I own to them. I started to make payments as promised and by the very last payment they did not take it and weeks after that I ... Read More »

          I Need Help to Get My Money Back. – Molly

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          i have given you my background major scam from Ghana and owe lots of debt, working on a quote with Cambridge now and also going through My Tax Releif to help with IRS. I paid Smart Financial Solutions in the beginning before I changed to Chambridge, $970 that I need back badly. There is no number to call them on ... Read More »

            Personal Loan taken in Dubai, Back to India after Job Loss. – Dev

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            Hello Steve, I know you have been flooded with similar questions. But still I need your advice. I had Personal Loan in Dubai amounting AED 60000 and I lost my job. I returned to India then after a year I was chased by Recovery Agents. Since its a large amount there is no way i can pay it off. I ... Read More »

              Can you advise my mom on what to do as a recent widow left with credit card debt? – Tonya

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              My Mom is a recent widow (dec.2-2011) and didn’t know the extent of credit card debt that my Dad had aquired. Two of the cards were in her name.. the approximate debt is 28,000.00 high interest and No insurance. Income tax has not been filed in 2the yrs either.. help! She has been responsible and paid her cards off in ... Read More »

                Swindell & Associates, Texas, now affiliated or referring to Macey Bankruptcy Law? – Yale

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                Went to a Swindell office in Fort Worth for bankruptcy consultation, and counseled toward debt management program, in order to retain assets. 40% debt settlement by implied promise, monthly payments to a special acct. until enough accumulated to negotiate settlement with largest creditor, then next largest, etc. Monthly pmts include our fee to Swindell (Macey?) We will be dunned and ... Read More »

                  Student Loans – received by Citibank and not the government – Cathy

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                  Maybe to can help me understand the Student loan forgiveness program. My son has a $114,000 student loan(s) thru Citibank to pay for his college. His monthly payment is $1,400 – he has sporatic wages (company slow in paying him – hasn’t paid him since Oct.) Since the loan was taken privately is there a way he could receive help. ... Read More »

                    Being sued by Capital One – should I sign the agreed judgment? – Charla

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                    I lost my job 3 yrs ago. I was unemployed for 8 months with no income at all. I am now employed – but only part time. Can barely make the house payment and put food on the table for me and my son. I just completed a course to get an Activity Director Certificate. Should receive it soon. Hopefully ... Read More »

                      I want help to sort through all of it and don’t know where to turn. – Whitney

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                      I am 32 mother of two and was just let go from my teaching position. My question revolves around financial aid. I feel like I can’t find any information about how to handle my financial aid debt. I want to find a credit counselor to help me consolidate my loans but am having no luck finding one that I trust ... Read More »

                        Was Thinking of Signing Up With MMI But Now Contemplating Bankruptcy. Will I Lose my House? – Linda

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                        I’m contemplating bankruptcy – however, if I file – will I lose my house? I was getting ready to sign up for MMI – my credit rating is in the mid 600 to lower 700 range. However, my current debt has gotten a bit scary and I need help. Thanks. Linda Read More »

                          Will I Need a Telemarketing License? – Paul

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                          i am starting a solar business and will be contacting potential clients by phone. will i need a telemarketing lic if i am not selling anything over the phone? i will only be setting appointments for in person consultations. Paul Read More »

                            Should I Include Repossessed Truck in Chapter 13 Bankruptcy – Jessca

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                            I am going to file a chapter 13 bankruptcy next week because I had a car repossessed and they auctioned it for much less than I owed. I have since financed another vehicle. I am up to date on the payments and can now afford to keep them up to date. My question is whether to include it in the ... Read More »

                              Made a settlement with Mann Bracken, now another company is collecting on the same debt. What do I do? – Ryan

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                              I’m married with 3 children. I own a house and my income has gone down through job changes, so I spend about 60% of my income on my house payment alone. I had a discover card debt from 2003 of 4,000 or so dollars when I was younger and stupid. Last year I worked extra hard to get the money ... Read More »

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