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Hi Jason, I guess it's nice to have you around. It's public message forum wherein you may share any credit or debt-related topic.

I have received papers from a lawyer for a creditor that i had stopped paying. I am 70 and my husband is 80 and between all the medical bills and pills i wasn't able to pay my electric bill. I was 2 months behind so I had to stop paying my credit card bill. Now they sent me papers telling me I have 20 days to send a letter to the court. They say there going to freeze my account, we only live on a retirement and social security.What should i put in that letter?

Hi,

I'm a recent college grad, and I went to pull my credit and found 9 medical bills in my collections on my credit report. These collections went back from when I was a student in High school, to my 4 years in college. I never received any bills for any of these collections. They are all from the same collection agency and all of the bills are way under $200.00.

Here is the situation. I am about to buy a house. The preapproval came back approved. The lender is concerned about a judgment that shows on my report. I told him that it is old and taken care of. He said fine could I show any proof of that. Here is the problem. The judgment against me was for $7,500 back in 2/2005. This was when the nbma/man brakken/wolpoff abramson fiasco was going on. I was one that got taken for money. Anyway, The SOL is past and over. I know it will stay on my report for another two years. So, my question is this..

I need a response letter I owe AMEX about $10,000.00 my Hair Stlying business is at an al time low. Self-employed for 32yrs Husband was without job for alomst 3yrs,has part time job for almost a year come November. I've always paid on time. No pension nor sasvings

Hi,

My wife somehow got $1800 into debt last year. It started off as a $178 credit card, her first credit card at the age of 25. And she did not even inform me the limit got raised.

Well we have almost nothing in savings or maybe a meager $500. My wife puts $10 a week into there but I just found out that whatever she puts in there during the month she takes out and puts towards her credit card debt.

Hello Everyone ,

I left America with a debt of $6500 , and moved to China 3 yrs back.

Now my question is --

I am applying for student visa in USA. Will the embassy people of USA be able to track my details of stay in America , will they reject visa ? My intention is to not run away from debts. At some point i will clear those debts.

Please help me regarding this.

Thanks.

They signed me up for online statements without my knowledge and then , when I missed a payment, because I didn't know it was due, they charged me interest. I immediately paid off the card, after I inquired why I wasn't receiving statements and closed the account.

How do i get a charge off removed from my report. I have 3 and one i settled. The other two are in collections and those agencies are reporting them separately so i don't see why the charge off would still show. Expecially the one that was settled.

I have accumulated a credit card debt with my current bank (Chase) and am in the early process of working with a debt consolidation agency. The bank obviously has not gotten any payments but I still have an IRA I rolled from a previous employer with them. I am currently stopping my direct deposit with them due to my debts. What do I do with my IRA??? Can they keep my IRA?