AnonymouslyIndebted

If your name is not on the loan contract then they can not force you to pay for the debt. It would be best to just ignore the letters and save yourself from getting stressed.

Oh that's too bad for those who has used their debit card there. I hope they have been notified. I am very curious though on how it was done, because from what I know, stores or shops are not supposed to keep a record of the customer's card numbers, more so it's PIN. Haven't they committed a violation by doing that?

Stevem is right, you can opt to apply for Br or a hardship program with the CC company. It's good that you came to this forum because you will find a lot of helpful advice here from people who are on similar situation. As well as all the informations that you might be looking for. Not to mention the endless encouragement from all the friendly members.

I am sorry to hear about your situation. Do not lose hope though because I am sure you will find the solution somewhere. Have you tried looking for work that you can do at home, like an online freelance jobs, so you won't need to travel to work? Or perhaps you can use it as a second job. There are a lot of credible legitimate sites that posts job openings. Just google it and I'm sure you will find something. Best of luck to you.

I agree with Breeze. The contract won't be binding and valid if it is not signed by the proper authorities on the matter. I would advice taking caution. After all, it is always better to be safe than sorry in the end.

Thank you for posting your experience Trying2Save. I am also contemplating on applying for one of the hardship programs than filling for a Bk, but I haven't gotten myself to call them yet for fear of getting denied. But I guess there won't be any harm in trying so I'll give it a try. Thanks again.

Congratulations! Its good to know that you are making progress. And thank you for sharing your situation. It motivated me to keep going towards my goal. Good luck to us.

I think all these tips makes sense. It might seem ridiculous to others because we have been so used to the daily comforts of life but practically speaking they would really help save some cash. Except for the hair cutting part, I think I everything else are very easy to adapt to.

I agree with you. I don't think this is a credit card. It seems that it is only a credit line. I don't think I'll be needing this.

Congratulations to you. That will be a big help in times of need. Use it wisely.

I think this list will be very helpful to most of us so I would like to share it here. Source : http://moneycentral.msn.com/content/saving...oney/p36019.asp

I guess what really matters here is that citibank is being penalized for raising their interest without notifying the credit card holders. This will be a good start in my opinion. I hope all the other banks who practices the same also gets penalized. I hope this will pave the way for other class suit filling.

Yes that makes sense. The lesser someone spends and the bigger the savings, the more he will increase his chances to be among the elite.. If I may also add, it will be even better if instead of just keeping the cash, it is invested somewhere where it will generate a passive income then it will be even better. But unfortunately I don't think I will be anywhere near becoming a millionaire because I am still so deep in debt.

Hi everyone. I came across this article and I thought it will be good to share it here. Read more : http://www.lasvegassun.com/news/2010/sep/0...ow-price-later/

Thank you for sharing this Breeze. This is good news for those who hasn't taken the services of a debt settlement company yet, like myself. But bad news for those that has hired a company already. I hope this new development will be published and announced as aggressively as the debt settlement company advertises their services.