Debt management

Description

Credit Card

Submitted by Anonymous (not verified) on Thu, 07/09/2009 - 17:47

Hello,

Recently some Collection agencies have obtained my Credit report.
How can stop their inquiries? (I have some debt on my credit cards and this is why they are sending their inquiries to to my credit report).Is it ok if i freez my credit report? is it possible? if yes, is there any negative issue for such freezing?Please kindly note that I am living in California. How can I stop such unauthrized enter to my privacy?
Thanks,
Sha

Debt consolidation Process

Submitted by debtserv on Mon, 07/06/2009 - 21:22

Debt consolidation is a process thatwill help you to consolidate multiple loans into single new loan or debt consolidation program - it is generally termed a debt consolidation loan, but there are also many debt payment program that do not involve a new loan. It is important for you to know what would be your best options to pay before selecting a debt consolidation program or company.

What to do if I am unable to pay CC bills?

Submitted by Anonymous (not verified) on Tue, 06/30/2009 - 04:32

I am a single mom and have been laid off from job recently. I have not paid my credit card bills for the last 3 months. Can the credit card company close my accounts or stop all transaction? It won't be very long before I get another job. Can I ask them to hold payments for a few days? I won't be able to meet the household expenses without a credit card. Can I set up a payment plan even after I get a job? Because I know it will be almost impossible to pay off the full amount at once.

What is the next step?

Submitted by Anonymous (not verified) on Sat, 06/27/2009 - 00:10

I have over $50000 in credit card debt. I became bad credit some month ago. (charged off). I started to send some validation letters to
creditors and after 2 months I have not received any response from them.( I have send validation letters 2 times for each creditors -One per month). As I know they have 30 days time to response my letters

Collection reply on Debt Validation now what?

Submitted by lostboyca on Wed, 06/24/2009 - 08:37

I wrote a debt validation to my collection (Portfolio Recovery Associates) and they replied with "An Affidavit of Sale" Where do I go from here I have attach a letter that I sent and the letter they have sent back it seems as if they did not reply to my request. And the interesting thing is that the first letter they sent me it stated that I owe $5,277.92 and their Validation letter response stated that I owe $6,638.47.

Any suggestions? I have until July 1st to reply :(