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I’m on SSI. Should I Stop Paying My Bills to File Bankruptcy? – John

“Dear Mitch, I am a 46 year old male. I am on SSI disability. After paying all my monthly bills I am only left with $50.00 for food, gas and prescriptions. The only things I own are a motorcycle and car. I do not have savings so I can not pay a attorney to file …

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Discover Card Says They Will Sue Me. How Should I Handle This? – Catherine

“Dear Mitch, I live in Florida & about 6 months ago I had to stop paying on several of my credit cards because of an increase in medical expenses for my partner. I just received a notice from discover card stating that unless I begin payments today on my balance ($2915.00), they will send my …

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I Was Making Payments to American Express and They Are Now Threatening to Sue Me. – Gracie

“Dear Mitch, My financial life is too horrible to go into, has been since 2001 and as a result, what once I could pay I now can’t. I had 2 American Express cards that I have been making good faith payments on each month and have been for some time. Now I’m being sued by …

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My Bankruptcy Attorney Says My Chapter 13 Payment Can’t Be Lowered. – Joseph

“Dear Mitch, Currently In Chapt 13 status. The entire debt is 941 from a business that went under. My chapter 13 pay out is 50% of my salary. After I make my car payment and insurance and gas, I have less then $500 a month for food, rent utilities clothing etc. How in the world …

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A Collector is Chasing Me for An Old Account. I Already Filed Bankruptcy. – Shonaray

“Dear Mitch, In 2006, I co-signed on a loan for my sister. I really didn’t want to do it but it helped keep her out of jail. Needless to say, a debt collection agency is after me now to repay the loan. I filed bankruptcy in April of this year and it was discharged at …

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I Signed a Contract With Lifeguard Financial and I’m Paying NoteWorld. – Cyndi

“Dear Mitch, I signed a contract with lifeguard financial on August of 2009 and I have been making a payment of 637/mo to Noteworld. This month I still made a payment, I tried getting into my account at my.espda.com and its giving me an error, also I have tried contacting them via several phone numbers …

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Three Collection Agencies Are Trying to Collect on the Same Old Debt. – Michele

“Dear Mitch, An old Washington Mutual account went to collection with a balance around $7k. When my situation improved I started paying the collection agency, and got about half of the debt paid off so the balance was a little over $3k. Unfortunately I had to stop payments again, and the collection agency sold the …

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Can I File Chapter 7 Bankruptcy and Get Rid of My Sallie Mae Student Loans? – Verka

“Dear Mitch, I received sallie Mae student loans to go to school. After going to school, my disability became worse and I am now unemployable due to having seizures. There is a debt of over 20 thousand and my social security income of $720 a month. I have informed them multiple times of my situation …

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Do I Need to Be Worried About Getting Scammed by Hardship Center? – Tasia

“Dear Mitch, I received this above email alone with a phone call and wanted to know if it was a scam or not, please advise. Don’t want to fall into a scam! “I spoke with you today regarding your situation. I look forward to assisting you in creating a long term solution for your mortgage. …

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I Want to Know if Debt Smart America is An Honest Company. – Alberto

“Dear Mitch, In debt with American Express. I was paying every month an amount their consultants would instruct me to pay in order to keep my card active. One day they simply shut down my ability to use my card and demanded full payment. It was only at this point that I stoped making payment …

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