I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don’t trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?

Technorati Tags: begining, collections, credit report, Debt Settlement, guidance, non profit credit counselors, profit credit counselors, worth the trouble

im 22 years old and have made a few mistakes in the past with my credit. ive never really had any guidance in financial decision making. seems like as soon as i turned 18 i was able to have what ever i wanted. i intended to pay everything i got but didnt take in to consideration that the jobs i was working wouldnt be there for very long. so ive decided to get myself back on the right track and file for chapter 7 bankrupcy and wipe my credit clean. i know it will take a while to rebuild it but at least im still young. i now have the intelligence to determine whether or not i can afford something in the long run. so i need to know how i would go about finding out every single thing that i owe so i can get rid of it all at once and not have something lingering over me after ive filed. i would also like to know how much it will cost me for a lawyer to file bankruptcy? any info would be greatly appreciated

thanks,
shane

Technorati Tags: 22 years, bankruptcy, chapter 7 bankrupcy, decision making, financial decision, guidance, intelligence, jobs, lawyer, shane, single thing

I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don’t trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?

Technorati Tags: begining, collections, credit report, Debt Settlement, guidance, non profit credit counselors, profit credit counselors, worth the trouble

We have 3 children, ( 2 minor, 11 and 17), our home is our biggest asset. We have a lot of debt with judgments against us. He has hidden other property and other assets, ( motorcycles, vehicles), and other items of value by them getting them out of his name so I and the courts can t touch them. I must seek legal aid from our local county, as I have no money to defend myself. My husband is trying to make sure I get nothing, when I am the one initiating the divorce, because of his excessive alcoholism, physical and verbal abuse towards the children and me. There is a documented case with DCF against him, for abuse and drug use that my son’s school reported . The case was closed with no further action. We need to file for bankruptcy and I desperately need guidance in the right direction awaiting legal aid to assist me. Someone please show me the light…
He seems anxious to get me to sign his do it yourself divorce, yet he refuses to leave the house, and wants to stay while all this escalates.

Technorati Tags: alcoholism, assets, bankruptcy, dcf, divorce, drug use, escalates, guidance, judgments, legal aid, local county, money, motorcycles, right direction, verbal abuse

I am 24 years old and I am considering filing for bankruptcy. I know that there is a good chance I’ll be able to keep my car because I still owe money on it and I’ve been makinng those payments successfully, but I’m worried that filing will seriously effect my ability to one day become a home owner. Need guidance from someone experienced.

Technorati Tags: 24 years, filing for bankruptcy, good chance, guidance, money

My attorney is helping me resolve certain debts, & has asked me to give the money to him, he said he will put it in a trust account and then pay the amount owed to the creditor out of that.

I have never done this before, is this normal procedure? I feel weird about it, it is a lot of money and I’m worried it could be a scam, how do I know he will pay the amount to the creditor? What could I do about it if he didn’t? He does seem trustworthy and has been in business a long time, I just don’t know what is normal procedure.

I would appreciate guidance from those who have been through this and/or work in law.

Technorati Tags: amp, creditor, debts, guidance, long time, money, trust account

I am looking into debt settlement and I am leery of the fees and ethics of the various companies that are out there. I find mixed reviews on all of the larger ones. Anyway, Charles Phelan’s do it yourself plan is intriguing and other people have reported here that they have been able to settle their own debts with their creditors. I feel that I need some guidance but I also want to feel ultimately responsible for and empowered during the process, so the ZipDebt program SOUNDS like the best option but I’d like feedback from anyone who has used it.

Technorati Tags: creditors, Debt Settlement, debts, ethics, guidance, phelan

My husband verbally abuses me in front of our child, he is ADHD and does not understand why his emotions take over. He has broken so many things in our home out of anger, he can’t keep a job due to his ADHD and he’s bankrupting us as he does not understand how to stop spending – he has never hit and I know he will not hit. We are both in therapy but I just can’t see how I can continue with his emotional abuse. His family refuses to be supportive as they too don’t like his anger. He has a very wonderful heart for our child and friends and when his emotions have not taken over he really is a great guy. ADHD adults tend to never leave there adolesences, so its like living with two children all the time. I know if I leave he will cry and hound me to not leave him but I know its best for my daughter and I. The only thing holding me back is that he will have no one to go to, I’m his best friend. I feel like his big sister. I pray for guidance but still don’t know how to do this…… my sign is Cancer and that equals – sensitive and always there for everyone – its so hard to let ask him to leave our home.
Any thoughts….
E. / Kentucky
Thank you to everyone who has replied so far. I’m glad I wrote to hear some outside advise. To those who mentioned my daughter is the one to think about – you are so right "she is the most important" and she will be the push that helps me to do end this. I don’t want her to live this way. I have great family support even when I asked him to leave 3 yrs ago. Thanks again!!

Technorati Tags: adhd, adults, anger, best friend, big sister, cancer, emotional abuse, emotions, guidance, heart, job, many things

A lot of people, I know are in this situation. What does one do, file bankruptcy 13. that is my alternative, I am only 60 days behind. Just went back to work. I need guidance.

Technorati Tags: bankruptcy, guidance

Account is in charge-off and reported to bureaus as so. Amex is giving me 2 options.
1. Pay in full(80) and recieve a card with them to help reestablish credit.

2. Pay 60%(~00), settle debt, and cease relationship with Amex.

Both options report the same to my credit report: paid charge off.

Wanting to get a mortagage ASAP and need to clear this up before banks will give me one…

What is my best option. I can afford either one. I don’t necessarily want or need a credit card, but if it will improve my credit, is it worth the extra 0?

thanks for your guidance!!!

Technorati Tags: amex, asap, banks, cease, credit card, credit report, guidance, recieve, relationship