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Apr/08Mark Cappel
April 7, 2008I am presently in a Chapter 13 Bankruptcy, and have fallen very far behind. I have been a Full Time Student since November 6, 2006. I need to find a full time job to be able to continue making my Payments, but I also need to finish School. I am due to Graduate on April 21, 2008. My TRA weekly Benefits end on March 22, 2008. I need advice on what would benefit Me the Most. What are My Options? It s...
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Apr/08Mark Cappel
April 4, 2008Hi Bill, I am having a problem with WaMu credit card. I received a letter from them saying to send a proof of death certificate to them about my husband. Um..he is very much alive and I have no idea where they got that from. I didn't receive any statements from them, even after telling them he was alive. Now, they are telling me we owe almost $2,000 to bring the account up to par. I called and the...
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Apr/08Mark Cappel
April 4, 2008We are a retail store and we bought merchandise on 30 day terms and then got behind when business was slow during the winter. We have $4,000 that is over 90 days past with one supplier but we have been in constant communication with them and have been paying them what we can at least monthly. We were able to come to agreeable terms with all of our other suppliers but this one. All others are now...
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Apr/08Mark Cappel
April 2, 2008
Bill, we have two garnishments that total $16,000 from credit card debt, took a loan out on our house that had no mortgage two years ago to pay debts from prior marriages from my husband now and my last husband, thought the mortgage covered taxes and insurance and found out from stupidity that neither were included. Been paying on mortgage until my husbands hours were cut a lot and now going...
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Mar/08Mark Cappel
March 31, 2008
A civil judgment was filed against me in May, 2006. The court contacted my employer and required that a certain % of my take-home money would be deducted from each paycheck until the specified amount of money had been paid to the creditor. A few months ago, the amount was finally paid off in full. In my current credit report, the civil judgment is a matter of public record. How long should I...
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BSMar/08Bills Staff
March 28, 2008
Can my paycheck be garnished by two different collection companies at the same time? If so can they both take the normal 25%? Thank you
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Mar/08Mark Cappel
March 28, 2008I have bad credit and I want to know if I can get a loan to consolidate all my credit problems. Also, I would like to pay a lower interest rate to cut my monthly payment.
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Mar/08Mark Cappel
March 24, 2008
I cannot decide which is better: Credit Counseling Services or Debt Settlement with Freedom Debt Relief. What's best?
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Mar/08Mark Cappel
March 19, 2008In 2004 I had a debt with Household Bank. They had my bill wrong and could never get it right. A lawyer which is also a collection Agency, put a lien on our house. Household Bank said they would settle for 4500.00. We could only come up with $4000.00. I sent it to the collection agency, which I thought they would accept. I did not know until several months later they would not accept that as ...
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Mar/08Mark Cappel
March 14, 2008Bill, My wife has received a citation letter from a collection agency in Ohio, who now owns a chase bank credit card debt. Over the past 10 years I and my wife have had medical issue, recently she had a stroke. the orginial debt was about 5000, with interset and fees it was 9500, now they are seeking 21,000 plus 5000 in lawyer fees. What can we do? We are 66 and this would wipe out any savings.
