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Sallie Mae is using my DTI as an excuse to not remove a co-signer. Is that legal?

I currently have a large private consolidation student loan with Sallie Mae. I consolidated my multiple private student loans three years ago to attain a manageable monthly payment. At the time, I required a co-signer to complete the process but was informed that I could apply to release my co-signer from the loan after 24 consecutive on-time payments in addition to meeting other credit elig...
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Where can I go to get a short-term loan?

Where can I get a legitimate personal loan with poor credit? Also can you use your retirement count as collateral? I need a loan for 2 weeks, where should I go?

My wages are being garnished for a debt that is over 16 years old. How did this happen? What about the statute of limitations?

I am a single residing in Florida. About 16 years ago i defaulted on a car loan, (divorce). A month ago i received a letter from a lawyer stating i was being sued $7,000 and that I needed to reply within 20 days. i did some research and sent them a return receipt letter explaining the statute of limitations and so on, and not to bother me again. no where in this 5 page letter was there a cou...
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My car loan was sold to a new lender without my permission. Is that legal?

I have an auto loan with Citifinancial. Today I received a phone call from Santander Consumer USA. They informed me that they have purchased Citifinancial Auto and have taken over all existing loans. I was then informed that I need to sign a new loan agreement. I knew nothing of this supposed buy-out and refused to give any personal information over the phone. After some research I discovere...
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How do I negotiate a charged-off mortgage debt?

Capitol One is reporting two amounts on my credit report, and the small of the two on its Web site. Which amount do I owe?

My Capital One credit card has just been charged off with a balance of 15,000. A credit agency has contacted me and said they would reduce the amount to 12,000 if I could make payments. When I go to capitalone.com/solutions it shows a amount balance of 5000. And my credit report shows an amount of 5000 with 15000 charged off. My question is if I pay the $5000 on the capitalone.com/solutions ...
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I want to close a credit card. Does closing the card hurt my credit?

I want to cancel a credit card because I just don't need this many. I was told that canceling a card is bad for your rating. I got a letter from the card company and if I refuse to accept the new high rates, I can't make any new purchases again. I don't owe them or anyone else any money. Will they cancel the card automatically if I refuse the new terms. What is the best way to ge...
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I just received a summons for American Express debt. Should I negotiate with the law firm or American Express directly?

I owe American Express $6,500 on a credit card that was closed in 2007. In 2006 after being laid off from work, after never having carried a balance, I began to fall behind in my payments after I used the card for living expenses while I searched for a new job. What a mistake that was. Over the last few years I have made online payments for the card and have also paid off a second Amex Gold ...
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How do we sell a timeshare we can no longer afford?

The question is not really for me but for my father. He is unemployed, in his mid-70s, and went through a bankruptcy about 9 years ago. About 3 years ago, he attended one of those time-share presentations, and despite all the above listed negatives, they still talked him into buying a $13,000 timeshare with monthly upkeep costs. He did not share this with us until the time limit to get out o...
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Is a new spouse responsible for the other spouse's debt upon marriage in Minnesota?