Need Debt Plan of Attack! [debt plan] [plan of attack]

Hey folks,
I will try to keep this brief but I need advice. We have gotten some collections off but we are still completely overextended. We haven't been late, but our rates are killing us. We can pay, we just aren't making headway. This is what we have now:
1) Discover CL 15,000. Was rate jacked on a BT when a paid 1 day late so rate is 24.74%.
It was just paid to 0 this week. Has a BT avail 5.9%, 3%, max 60.00, until 5/07. (Phone call just now to them was n

Question about utility payments while renting [utility payments] [payment history]

Hello people, is
This question for anyone who gives me a thorough and knowledgeable answer.
How importance will rent paid for your utilities in full each month during? Will it hurt if they are not paid off every month? Will mortgage lenders ask for the payment of the story? Reason I ask because of my eye and I get a mortgage at some point next year. I know the basics and some on credit, FICO scores, solid rental history, etc. but I'm not sure if it's important that we sound pa

RUGBINO WONDERS."DID CB START DOING COMMERCIALS ON TV?" [cb] [commercials]

Any particular reason?

Reaffirmation Agreement Question? Ally/GMAC Financial

I received a reaffirmation agreement from Ally/GMAC Financial today about my car, I owe them $4,500 and the car is valued at $20,000.

If I’m understanding the packet correctly I have to go to court for the judge to approve me keeping my car or is it an agreement between me and Ally financial stating I will be responsible in paying the debt after discharge.

should I pay my attorney $400 to sign the reaffirmation agreement and they say I might not have to appear in court unless the judge orders a hearing