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Author Archives: Consumer

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 »

                    Chase is Giving Me a Runaround About My Mortgage – LeeLuv

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                    Sorry if this is too long… I became disabled due to medical condition. I am now drawing adequate private disability insurance after 6 months out of work. There have been many other factors, but I am 6 months behind on my mortgage. I have been trying to work with Chase, but they have been terrible. I get letters telling me ... Read More »

                      SaveMore.com – Consumer Complaint – 12-21-2011

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                      Date This Problem Happened: December 6, 2011 State You Live in: North Carolina Race/Ethnicity: White Age Range: 36-50 Total Amount of Fee Paid: $15 Company Name: SaveMore.com Company Address: Company Telephone Number: Website of Company: SaveMore.com Consumer Statement: I purchased 2 vouchers from Savemore.com. 1 for Accessoriesdirect.net and 1 for Subway. I charged an additional $10 on my credit card ... Read More »

                        Should I pay for a home modification from My Home Advocate?

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                        We are about to pay for our loan modification to Tami Steffan at My Home Advocate. The confusing thing is that they seem so on the up & up but when I ask or read about them I am even more confused. They don’t have too many complaints so that leads me to believe they just like every other company ... Read More »

                          Macey Bankruptcy Law / Legal Helpers – Consumer Complaint – 12-21-2011

                          Experienced Personal Bankruptcy Attorneys - We Fight For You! (20111221)

                          Date This Problem Happened: April 1, 2011 State You Live in: Montana Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: $6,792 Company Name: Legal Helpers [Note: a visit to the website given shows the new name is Macey Bankruptcy Law] Company Address: PO Box 14010 Irvine, CA 92623 Company Telephone Number: 888-211-9942 Website of Company: LegalHelpers.com [Site redirects ... Read More »

                            How Can I Join a Class Action Suit Against Legal Helpers Debt Resolution? – Patti

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                            We have submitted to the wiles of the Legal Helpers Debt Resolution and are seeing the same results as I read in your article. Can we join a class action suit against them? We are in Montana. Patti Read More »

                              Need to get rid of credit card debt with lower payments. – Jennifer

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                              I am not working at this moment but should be better off within a year. I am in $14,000 credit card debt. I am making the payments right now and have never been late, but during the next year, 2012 I may not be able to make all of the minimum payments and still be able to afford what I ... Read More »

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