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There's a difference between chapter 7 and chapter 13. In chapter 7, you get all your debts discharged. In chapter 13, you do a payback of either all or a percetage of your debts over 3-5 years. ...

It's been a while. When I last posted, it was April. Now it's the end of Sept. By the way, I filed a Chapter 13 which I'm paying at 100% and therefore am paying back what I owe. However, very...

I have two problems now. My partner's ex got the bills for the son's medical problem and didn't let us know. Now we get a summons. The bill is for $496 and they want $1200 for 'costs'. Some of it...

By the time you figure out what you're doing, they will be garnishing your wages.

Thanks for the help!

I say get a lawyer and sue them.

Don't give them any of your bank information.

I filed the federal financial aid form online for my son. I make too much for him to get a grant, but I filed bankruptcy ch 13. So my disposable income is tight for the next 5 years. Will this...

Here's the deal. In between being served and getting a judgement from the court, I did NOT get anything about what date to show up in court. So the judgement went against me. What I did do, was...

Did Mann Bracken win an arbitration against you? My dealing with Chase/Mann-Bracken resulted in arbitration as this is what you sign when you get the card. I challenged the arbitration and they...

If they win the judgement, they can garnish your wages. You need a laywer.

Are you sure this wasn't a collection agency? The coments she made sound just like the ones they make to make you feel bad, guilty and so on. Call your OB GYN yourself and explain to them what is...

Are you sure this wasn't a collection agency? The coments she made sound just like the ones they make to make you feel bad, guilty and so on. Call your OB GYN yourself and explain to them what is...

Call a bankruptcy attorney for a free consultation.

They will hound you forever. Just file bankruptcy. That's what I finally did. Either that or pay if you can. I don't have any assets or money, so my only choice was to get bankruptcy protection...

WOW. You are so smart about all this. I have a different question for you. I have got my back against the wall due to having a debt from Chase go to arbitration and me losing the arbitration...

I bought a house a couple of years ago. I also sold a house and the mortgage was contingent on my having a specific amount of money from the sale of the house in order to go through. My sister was...

Question: I live in Michigan. I make less than 80,000 a year. I want to file bankruptcy. But the medium state income is 49,000 for a family of 2. So how did you come up with 80,000? Sure hope...

First of all, make sure the court has posted it. They are very good at taking your money and oops, forgot to say you paid. That happened to me when I was applying for a refi once. Call the...

Ignore them. They'll go away.

Find out what the statute of limitations is in your state. If it has expired, the cannot collect.

Sorry ScottGem. It wasn't you who had the debt, it was you who answered the letter of the person who had the debt. I just recognized your big diamond. My bad.

Ihatedebt.com is what I wrote

That's not what I wrote

The best website that I have found for answers and form letters to send to creditors is Avoid bankruptcy eliminate credit card debt enjoy financial freedom and debt-free living > It has the best...

I was referring to protection from debt buyers by the way. They are not subject to very many laws. They constatly break the fair credit reporting act law because they know that not a lot of people...

Aren't you the guy who just paid on a 10 year old credit card?

This debt was over the statue of limitations and you did not need to pay them a thing. However, since you DID, you just restarted the clock on it and will have to pay them everything they ask you...

Here's my story. I also defaulted on a credit card to Chase. I was in foreclosure and could not pay. They did the charge off and Mann-Bracken (hate them) sent it to arbitration. I did all the...