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Recent Credit Counseling questions

I need to know which is the better route to take. Freedom

I need to know which is the better route to take. Freedom Debt Relief or Consumer Credit Counseling? How long does it stay on your credit and the impact. I have a couple of small signature loans secured by appliances.

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legalgems

Juris Doctorate

13,894 satisfied customers
I would like to ask something about credit card lawsuits. I

I would like to ask something about credit card lawsuits. I am being sued for this matter. Six months ago, I requested and applied for consolidation of my credit cards. I have six credit cards that I applied for consolidation. However, one credit card company denies being part of the program and do not wish to be in this program. I was also experiencing hardship and unemployed so; five of my credit cards accepted the consolidation program except for Discover Card. I talk to the credit counseling representative and ask them the reason why they cannot accept it and they said they do not want to accept it. I was surprised then because all five credit card of mine accepted it, Chase, Home Depot, Walmart, Citi, and American Express. I talk to Discover and ask them myself about denying the credit counseling and they said I can pay less if I go directly to them without the credit counseling involvement. However, the monthly payment they were asking is more or even twice than what I can afford paying with all of my five credit cards combines through a credit counseling program. So, instead, I did not pay attention to them and bothered to send my payment unless they can accept my payment through the credit counseling program I enrolled. After three months, they demand instead that I pay the balance I owe in full through a debt collector agency. I was not expecting them to be demanding because I had credit consolidation 10 years ago and it works until I fully paid all of my credit card debts. Now, because of my hardship situation, I began to have delayed payments until I was not able to catch-up. After six months (this month I received a summon yesterday, June 2 about a lawsuit from Discover) and demanded that I pay in full. So, I went to our Regional Court Justice to answer the summon and wrote a complaint because I tried to settle with them through a credit counseling before, and they denied it and now demanding the full amount in a lawsuit instead. The court granted me the in forma pauperis so, I send it back to the person or law office suing me. My question now is, do I talk to the law firm suing me to settle the debt or make arrangements with them and accept the terms they will be giving me in resolving my debt with Discover card? Will this case becomes worst if I appeal and go through my complaints with how they treating me in paying them in full instead of giving me consideration on paying them monthly on terms or amount I can afford through credit counseling? Discover Card did not work with me when I was willing to pay them through a credit counseling program and they did not give me a reason why they will not accept the credit counseling program like the rest of my credit card debts. Now, they are saying I was in default with my payments with them through the summon I receive just the other day (I receive the letter from a credit debt collector of Discover Card stating a demand for full payment last February of 2016) I never thought it will go into this lawsuit situation because I had credit cards 10 years ago that took me several months without payment before I enroll it through credit counseling program and I was able to resolve and pay all of them without having to deal with one credit card company who do not want to consider a credit counseling program and sue me . And I consolidated my credit cards since November of 2015. Now it is June 2016 and never heard from Discover Card until this lawsuit 2 days ago and telling me I default my debt with them. They should accepted the credit counseling program then because that is all I can afford to pay monthly like all of my credit cards who are willing to work with me because I am still struggling in making payments with all of my debts currently, and I cannot afford the payment terms Discover Card want me to settle with them which will cost me twice the amount I can afford to pay in monthly basis compared to the amount I am paying my other five credit cards combined in credit counseling program right now. Thanks Francis Catoera

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,286 satisfied customers
I got myself into trouble with payday loans that I attempted

I got myself into trouble with payday loans that I attempted last year to get out of with National Debt Relief. They seem to be great in that they have negotiated deals. The problem is I got one more $2,500 loan through Cash Central in December and had anticipated getting my bonus to pay off. Of course, something happened and now the interest has grown to $3,800. Cannot afford $400 payments.JA: The Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: I stopped paying them of course, changed phone number but I am going to have to deal with the mess I created for myself.JA: Is there anything else the Lawyer should be aware of?Customer: I fear telling National Debt Relief because Im sure that this will be not according to agreementJA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Lawyer about your situation and then connect you two.Customer: You see I had a gambling problem that I have stopped for 4 months and things are better

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,286 satisfied customers
How do I deal with credit card debt over $25,000. I am

How do I deal with credit card debt over $25,000. I am thinking of doing a consolidation loan. JA: Thanks. Can you give me any more details about your issue? Customer: Well I did get a letter from some one saying they are called The Department of Advocacy services but they have no mailing address. At the same time I checked my balances and ... JA: OK got it. Last thing — Lawyers generally expect a deposit of about $36 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.

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legalgems

Juris Doctorate

13,894 satisfied customers
Is it legal to charge money somebody get approved to get a

Is it legal to charge money for helping somebody get approved to get a personal or business line of credit?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,286 satisfied customers
Is there a law, in FL, that a spouses rights are "removed"

Is there a law, in FL, that a spouses rights are "removed" from a mortgage, if one of the unofficially, separated spouses move to AL for a particular about of time? In other words, is there a time limit to wait to call the spouse "deserted" from the mortgage, to have their rights removed?I wonder, because I find it odd that my husband (after talking to his lawyer) wants to wait for a while to divorce. I know one reason we are waiting, is because we have a debt we have to do somthing with...we both, in the last few years have become disabled and have a very hard time paying bills...we have to consider bankruptcy. I really don't want this for him, but I bought the house he is in, in FL (from my retirement fund accumulated before marriage, I know is his because of marriage :)...he is paying the mortgage, now. I am back in AL...I think we need to sell it to pay our debt. He has an opportunity to live somewhere else, but thinks he will never be able to own another home.Also, how much is a normal bankruptcy for approximatly $32,000 credit card/small loans debt. (It may not sound like much, but when you each only "bring home" him: $1657mtly, her: $1356mtly, and you each have mortgages of your own and all that goes with it, you can't make it! I can't even qualify for "food stamps in AL because I make just a little over $14,000 a year. Can you believe that? So, I am 55 yrs old, Fibromyalgia/very bad back pain/even after surgery, among other things...I pay the bills, ones I can & med bills, then I am left with 0 dollars for the month. I'm old and thankfully, but how awful & I can't do it for log...I get help from my parents to eat & for gas & the other things for living. There has to be more???So sorry for going off subject... thanks in advance for the answers.

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Ray

Lawyer

Doctoral Degree

35,888 satisfied customers
Ray I filed an emergency Bankruptcy Chapter 13 because the

Ray I filed an emergency Bankruptcy Chapter 13 because the trial court was going forward with the Summary Judgment Hearing anthough the case was removed and the judge, and he failed to respond to a number of motions within thirty days. I did not filedthe credit counseling and initialy the case was dismissed. I've since filed the proper credit counseling and the case was re-enstated and the 341 hearing is scheduled for 11-5-15 and bankruptcy plan is due 11-9-15. The creditor alleged lender has submittedmultiple pleadings during the period before and after the we filed Chapter 13 with an automatic 30 day stay in trial court. The creditor filed motion and was granted new court date for summary hudgment hearing for 10-28-15 on unsigned "Order" after the casewas dismissed but before the case was closed and before the automatic stay of 30 days lapsed and before the case was closed- Is that legal? Are they in violation of the automatic stay?

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Ray

Lawyer

Doctoral Degree

35,888 satisfied customers
I am a 59 year old male, unemployed and not getting unemployment.

I am a 59 year old male, unemployed and not getting unemployment. Living in Michigan I got into debt @ years 2007, 2008, 2 credit cards $9,000 and $12,000 and $40,000 home equity loan. Then lost job of 33 years and started getting pension in Spring of 2009. Had heart issues in December of 2009. Stopped making payments in December of 2009. Lost house to foreclosure in 2012. Midland funding bought debt and collectors are calling and have tried to sue but cases dismissed for their failure to serve. I know they will come again. i have under a year to go under Michigan's statute of limitations, 6 years. If I move to Mississippi where they have a 3 year statute of limitations on credit card debt. Would I be free from collectors right to sue me for the debts. Or does the 3 year start when I change my address? I do not wish to file bankrupcy

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Legalease

Attorney At Law

Doctor of Law w/ highest honors

15,044 satisfied customers
Here are the facts:I live in Minnesota. I am a single

Here are the facts:I live in Minnesota.I am a single mother of 3 beautiful bright children, and spent my career working in the field of non-profit management.I started building my home September 23, 2008. Purchasing the land with cash up front from my own savings.October 17, 2008 I was in the back seat of 2 ton pick up that was broadsided at an intersection and I became disabled.Many caring loving people in my community kept my family and i in our home, including our local bank branch, several of whose employees were on the boards of the nonprofits I worked for over the years and I banked at, then the rules changed and the account that was formerly run through private client services was transferred to an out of state branch of their mortgage division.Now my bank (a large national bank) for the 3rd year in a row, mind you, is refusing to move forward with a modification. The last two years, they simply did not respond. Now I finally have help from an LSS consultant, but still my bank is refusing to move forward until my cosigner provides a quitclaim deed, however they (the bank) never filed my cosigner on any of the mortgage documents with the county on my property title, so my county recorder will not accept a quitclaim deed, given there is no document number to match it to on my title that would have the cosigner's name listed and show a clear paper trail. I have managed to find an alternative document they will accept called "Release of Unregistered Interest" but now my small county is confused. It is a standard Minnesota form I got online, but they have never seen one, and do not know how to file it because they still have no document number to file it against on my title.My question is this:1. Can I file either a quitclaim deed or release of unregistered interest with an affidavit from me stating"I am the sole owner as listed on title number such and such of described property...and alleged claimant is a co-borrower in reference to such and such document number on my title number such and such. As I pursue a modification of my mortgage, the bank has requested the co-borrower provide a form of court filed document releasing any possible legal claim to the described property. He has agreed, however, since the bank never filed his name on any documents recorded at the county, there is no legal claim against the title, and the county has no actual document number to match his name to on my title. Therefore, I attest to the co-signers name on the bank mortgage, referenced in document number such and such dated .... filed .....in ....county........etc.2. Or is there some other form/way to establish this legally?I just need this process to move forward. It is imperative that I lower my monthly mortgage payment and not lose my home as I not only payed for the $40,000 lot up front, but also put another $60,000 of my own savings into the building of the house up front on top of the $20,000 in principal payments I have made since. That is a total of $120,000 of my money plus the interest which is tens of thousands of dollars. I cannot suffer a short sale as all my savings is in this house and they know that.Please advise...Miffed in MN

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Gerald, Esq

Juris Doctor

5,312 satisfied customers
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