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I Am Now a Pensioner. Should I Close Down My IVA – Individual Voluntary Arrangement? – Carl

“Dear Jon, IVA since july 2008.£50000 owing I am now a pensioner still trying to work hard What realy will happen at the end of 5yrs.My friends over xmas said its a con and said i should close it down Carl” Carl, You failed to mention if you have property or not, as this can have a bearing on how ... 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 »

      Marriage and Credit: Join Lives, not Accounts!

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      Most people approach marriage and credit with a one-for-all, all-for-one attitude. They open joint credit cards, apply for car loans as a couple, and stop building separate credit histories. After all, they have joined their lives together; why not marry their credit histories? Though the sentiment is appealing, keeping some credit accounts separate has big advantages. Holding credit jointly puts ... Read More »

        UK Debt Restructure Scam – Buy My Debt Limited and The Trusted Partnership, Closed by High Court

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        Don’t think that scams that prey upon people with debt problems is limited to just the United States. Just recently the High Court in London shuttered a fraudulent debt buyer operation. Readers familiar with some of the debt buyer claims will notice they sound suspiciously familiar to the debt buyer claims in the U.S. Buy My Debt Limited and The ... Read More »

          FTC Report on Debt Collection Complaints

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          FTC Report on Debt Collection Complaints From DebtCollectionAnswers.com With the credit crunch in full swing, many consumers are receiving calls from debt collectors. While most collectors are just trying to do their jobs, some are so eager to get paid (often with a commission or bonus) that they will go to just about any length to collect past due consumer ... Read More »

            One Time Is Too Many With Identity Theft

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            One time is too many when identity theft is involved, and two times in a week a big flashing warning sign that something is seriously wrong. Last week my wife received a text message saying our cell phone bill was $1,000 this month! Of course that proceeded the panicked phone call that I received from her immediately afterwards. After spending ... Read More »

              I’m a Runaway Housemaid in Dubai. – Lucia

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              hi, i’m lucia im a run away housemaid. I left my employer cuz they are not good. My employer hurting me thats whay i run away. I would like to ask some questions. I start work june 2010 its 2 yrs contract so june 2012 finish but i only work 3 months and i run away. That time i go ... Read More »

                OK I’ll Say It, Debt Menders is a Total Scam But You’ve Got to See This

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                The Debt Menders site promises to clear your debt today, offers guaranteed credit repair, and will lower your payments instantly. You probably know the general type of site I’m describing already if you’ve been on the internet for at least ten minutes searching for debt help. But this site is definitely different from all the rest. You see it’s a ... Read More »

                  US Consulting Corp Mortgage Modification – Kevin

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                  a company called US Consulting Corp contacted me about modifying my existing outrageous mortage payment. Said that due to the government sponsored HAMP….program they could reduce my payment from $4500 per month to $2583 ant the interest rate from around 5.8% to 3.57%. Stated they would guarnatee it with a return on upfront fees of $3490 if I am not ... Read More »

                    Is there a way to get student loan forgiveness if I became disabled during my last year in school? – Jade

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                    I have an autoimmune disorder called Lupus, and during my senior year in college, I had a massive flare-up that hospitalized me for 7 months, to the point where I needed chemotherapy! I was released, but suffered from Transverse Myelitis, which is a neurological disorder, caused by inflammation of the spinal cord. I now struggle to walk, suffer from incontinence, ... Read More »

                      Is it true? – Paul

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                      I live in San Diego CA and am a Navy Veteran, when I got out of the Navy in 2003 I attended a school by the name of Micro Skills. which closed soon after i completed my last class with them. I have been paying back on that loan, which i used my VA benefits on, but friends and family ... Read More »

                        Mitchell Stein, Mass Joinder Lawyer, Charged by SEC in Heart Tronics Scheme Along With Wife

                        The Securities and Exchange Commission today charged a purported heart monitoring device company and six individuals involved in a series of fraudulent schemes to artificially inflate the company’s stock. Among those charged are a former pro football player, a Hollywood talent agent, and an attorney who masterminded the scheme. The SEC alleges that Heart Tronics installed former pro football player ... Read More »

                          Have You Been Scammed or Ripped Off? How to Get Help and Get The Problem Resolved.

                          If you feel like a company you paid for a service has not delivered the best place to start to attempt to resolve the issue is to contact the company directly. If you’ve tried repeatedly to get your issue resolved by sending an email or leaving voicemail and that’s not getting any attention, send a letter by some traceable means ... Read More »

                            How You Can Find a Good Attorney or Lawyer

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                            This guest post was submitted by Kristin Crone, Esq. from UFAN (United Foreclosure Attorney Network.) She is a California based attorney so the links given are for California but every state has a Bar Association and a quick search for your state Bar will lead you to the appropriate resource for you. While the advice given is about a mortgage ... Read More »

                              Public Citizen Steps In to Oppose Persels & Associates and CareOne Class Settlement Offer to Consumers

                              The consumer advocacy group Public Citizen has stepped into a proposed class action suit involving a case against Persels & Associates and CareOne. The issues seems to be that the proposed class action settlement does not benefit consumers. A class of more than 120,000 people alleges that the law firm and an affiliated credit counseling company offered to help consumers ... Read More »

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