This is because they have placed derogatory remarks on my credit file. I had placed an order with a merchant who is now out of business; apparently, the merchant never shipped my order. Yet Discover wants me to pay for something that I have never received. I already disputed with Discover several times, but they still never took out those derogatory remarks. How should I sue them? Please provide me with detailed information.

First run your free credit reports through annualcreditreport.com or call them toll free @ 1-877-322-8228 for all 3 reports. If the derogatory info is on the report, disputes it. They have 30 days to reply or it comes off. If they have a toll free #, can also call them every 10 minutes stating you’re waiting for a call back about the charges in question. As you found out, being nice doesn’t get you anywhere.

To tell that I AM disabled and refuse to make a payment to National Financial Services, Inc. in Kentucky.

You can not ban a debt collector even if you are disabled. Being disabled does not excuse the debt.

You can contact them *in writing* and ask them to stop calling you. This does not end the debt, just the phone calls.

I have been doing lots of research trying to find out if there are any certification requirements to become a personal budget consultant. I know Financial Planners need certification generally, but they tend to offer services like insurance, estate planning, and other things that I wouldn’t be offering. I would focus on setting people up with a budget and helping them maintain the budget.

Thanks
I suppose I should mention my location, since that may influence the answer. I live in the state of Texas in the US.

just know your math<

trust accounts
savings accounts
car loans
or certificates of deposit?

trust accounts

how do i get a financial consulting firm where they can offer me financial services and loans for a business plan of mine which will help humanity a great deal.

I would strongly recommend that you talk to a business counselor before you do anything else. I’d call the local office of SCORE (go to http://www.score.org and input your zip code to find the chapter nearest you), the advice is FREE.

The counselor at SCORE will most likely advise you to write a business plan which is very good advice because it will force you to dig out all of the start up details and the costs of starting a ‘humanity based’ business and force you to also understand all of the aspects of this business including the customers you’ll concentrate on (your market ) and how you’ll go after them.

You’ll need to register the business and look into perhaps non-profit status with your state controller’s office and make sure that you have any city and county licenses if any are needed where you live. All of this will come out in a business plan.

Try this link :
http://www.ychange.com/small-business-consulting-articles.html and read some of the articles especially the ones about a business plan and starting a business.
Good Luck