My grandmother and grandfather have accumulated lots of credit card debt mostly because of my mother (she stole their credit cards in the past and ran em up). I believe the debt is over ,000

Grandpas retired. Grandma still works but will be retiring soon. My mom can’t pay their debt all the people in my family work low wage jobs. They simply don’t care about credit anymore. They pretty much don’t need it. They have a place in their home country that they want to retire to.

I guess I’m the problem. The house, they want to leave to me. They almost did the reverse mortgage thing but realized that as soon as they leave it gets taken away. They also are uninterested in bankruptcy since it costs money. Theyve stopped paying a lot of the cards because they just can’t afford it. What should be done?
By the way, we live in Texas. No liens on property & no wage garnishment. More to add to their indifference haha.
They plan on retiring to a different country. No need for American credit there
@the kid: When did I say I would lose money? I’m concerned because they have worked hard all their lives and have helped me a lot, and deserve a break and to finally go back to their true homes outside the US

I worry because they’re my family and I have watched them suffer because of debt all my life. I want to free them of that burden.

I’m a single mom with a six year old daughter. I have worked all my life and never depended on the welfare system. For the first time in my life after 25 years of being in the work force I can’t find a job that will work with my daughter’s visitation schedule with her father I am struggling trying to get any sort of help possible while living on credit cards which I’ll have to one day file bankruptcy when I max out. Anyone out there willing to help a single mother like me or know of an agency that can help? I worked in the mortgage industry/banking and even went back to school to study paralegal in hopes of finding a good paying job yet now I’m in more debt. If you don’t have any sort of a solution or ability to help out please I ask you kindly not to respond. I’m not looking for pity or any form of hurtful comment. Only if you’re willing to help guide me to an organization, government program or even if there’s an individual out there that’s willing to help. I need financial assistance to payoff my credit cards, go to court with an attorney, not by myself or I’ll lose to modify the visitation and find a
full-time job, with insurance. I have a verbally abusive ex-husband that has visitation with my daughter, I have to be home from work by 5:00 P.M. PST 2 days out of the week and every Friday I have to start work at 9:00 A.M., also 1st, 3rd and 5th weekends of the month on Fridays I need to be home from work by 5:00 P.M. so my ex-husband is able to pick up my daughter & practice his visitation rights!. I have asked him, to change his visitation hours so I can work and be home on time for the exchange but he has refused. Who is going to hire me in this economy if I have to ask the employer to accommodate me with my set hours and schedule!? I can’t go back to court because I don’t have anymore money to pay attorneys fees, but in my opinion my ex-husband has 2 attorney’s that have and will represent him in court for free because one is a family member and the other is a friend & in the pst they both have represented him in court. As for the rest of the time, I have someone who can watch my daughter after school while I’m at work but only until 5:00 P.M. but she will not to go through the exchange process. I need help or support, again to payoff my debts, find a job which will work with my schedule until I can go back to court and modify my visitation, that’s if the judge grants my request, or maybe there’s an attorney out there that will have mercy on me and represent me in court without charging to modify our visitation. I need to work and I need help.

Thank you

Your Open QuestionShow me another »
I need some advice please… Should I leave my husband?
I have been married for almost 6 years. Im 24 and he is 26. We have two young daughters: 3 & 5. The whole time we have been married he has cheated, numerous of times and the worst part is once it was with my sister for 8 months. and the last time was last August a weekend fling and the other woman lied and claimed she was pregnant and wasnt… He also is very abusive, mental..physical..and verbal… mainly the verbal and thats practically an every day thing… calling me every name in the book… even at times infront of our children… I love him. but not inlove.. theres a huge difference… We married young and we have even talked about divorce several of times and that we would be better off as friends… but for some reason we keep holding on… We just moved from SDakota to FL in november and I am alone here with no family.. Just his… We are staying with his dad and its a night mare… I feel so unwanted. and as if Im an outcast… (im white and he is Jamaican) so a huge cultural difference there… His dad doesnt really like me and I can tell by his actions…

I cry every day almost because I want out and cant stand being mistreated.. I have an opportunity to leave without him knowing next month… but I need to wait til after we file bankruptcy.. (long story)

I have recently begun to talk to a guy I met 8 years ago… he recently divorced a year ago and also has 2 children same ages as mine… We want to be together and we have so much in common… He knows my circumstances and wants me out.. says its not a good situation for my kids and I.. and we both are developing feelings for each other… He is willing to fly down here from SD. and bring us back home… he says im a dream come true… and wants us to be a family and treat me with the respect that I and the kids deserve… and I trust him… The only thing that Im scared of is leaving… its a huge change… and I know Ill be happy and safer…. My whole family wants me back home because they have seen the bruises on me before.. and heard the stories… also my husband was in jail last year for choking me and beating up my 19 yr old brother…. my brother steped in as he was choking me… and it was a mess…

like I said I still love him at times… but its not inlove feelings… I look at my husband with anger and pain and 90% of me wants out… I need some advice PLEASE!!!!!!

Also like I said before Im waiting to file bankruptcy… we are in the process of foreclosure in SD. and have delinquent/charged off credit cards, and medical bills.. and a repoed car from January… He has messed up my life… If I knew I would be ok to wait and file bankruptcy at a later date I would leave ASAP… but I have a judgement against me on a medical bill… so I think the smart thing would be to stay here and wait it out til after bankruptcy….

I WANT TRUE ADVICE!!! and please no degrading me… I hear it everyday from him and cant take it anymore…. SO PLEASE HELP ME!

In every case challenging the constitutionality of healthcare reform the plaintiffs have been people who did not carry healthcare insurance and who claimed they would prefer to handle their own healthcare needs as they arise.

* The average hospital stay in the US costs over k for people with insurance.
* The average cost of premiums in the US is over k per year
* 62% of personal bankruptcies can be attributed to medical costs
* The number of employers offering healthcare insurance to their employees fell by 7% during the Bush years

These plaintiffs claim they cannot afford the penalty for failing to carry health insurance, but seem oblivious to the fact it would be even more impossible for them to afford an average hospital stay. The HCR bill at least subsidizes the cost of the penalty for low-income families – in some cases even eliminating all cost. But the bill for a hospital stay will remain on your credit report until the day you pay it off or die.
@ Mjo – The Republican plan gave people the decision & control to carry no insurance and pass the cost on to taxpayers. Which explains why premiums are so high and why so many personal bankruptcies result from medical bills. The HCR bill doesn’t tell you which company to pick – you’re still free to choose. It just requires that you pick something so you don’t pass on the cost of your medical care to others.

They can get a no money down loan, BUT the property doesn’t have a garage & they will need to build one. The garage is what they want to draw from the 401K for.
I am dead set against this. They THINK they can just take out the money with no penalty & not have to pay it back at all. I think that is wrong.
Mom is a homemaker, Dad has a good paying factory job. He is SUPPOSE to be less than 5 years from retiring!! Mom acts as if she knows their finances inside & out, but when I was a kid, she "handled" the finances by maxing out credit cards & they had to file chapter 13 bankruptcy.
I so badly want my parents to move into a home of their own & stop renting. I think the home they are interested in is the best one suited for them. However, I’m afraid that my dad is going to be the one who suffers because my mom is out of touch with what taking that 401K money means.
Yes, Dad is passive & doesn’t like to "wrestle" with my mom.
It seems so much simpler to just leave the 401K alone & take out another loan for home improvements…….HELP
How do I convince them NOT to use HIS 401K towards a freaking garage?

I have been married for almost 6 years. Im 24 and he is 26. We have two young daughters: 3 & 5. The whole time we have been married he has cheated, numerous of times and the worst part is once it was with my sister for 8 months. and the last time was last August a weekend fling and the other woman lied and claimed she was pregnant and wasnt… He also is very abusive, mental..physical..and verbal… mainly the verbal and thats practically an every day thing… calling me every name in the book… even at times infront of our children… I love him. but not inlove.. theres a huge difference… We married young and we have even talked about divorce several of times and that we would be better off as friends… but for some reason we keep holding on… We just moved from SDakota to FL in november and I am alone here with no family.. Just his… We are staying with his dad and its a night mare… I feel so unwanted. and as if Im an outcast… (im white and he is Jamaican) so a huge cultural difference there… His dad doesnt really like me and I can tell by his actions…

I cry every day almost because I want out and cant stand being mistreated.. I have an opportunity to leave without him knowing next month… but I need to wait til after we file bankruptcy.. (long story)

I have recently begun to talk to a guy I met 8 years ago… he recently divorced a year ago and also has 2 children same ages as mine… We want to be together and we have so much in common… He knows my circumstances and wants me out.. says its not a good situation for my kids and I.. and we both are developing feelings for each other… He is willing to fly down here from SD. and bring us back home… he says im a dream come true… and wants us to be a family and treat me with the respect that I and the kids deserve… and I trust him… The only thing that Im scared of is leaving… its a huge change… and I know Ill be happy and safer…. My whole family wants me back home because they have seen the bruises on me before.. and heard the stories… also my husband was in jail last year for choking me and beating up my 19 yr old brother…. my brother steped in as he was choking me… and it was a mess…

like I said I still love him at times… but its not inlove feelings… I look at my husband with anger and pain and 90% of me wants out… I need some advice PLEASE!!!!!!

Also like I said before Im waiting to file bankruptcy… we are in the process of foreclosure in SD. and have delinquent/charged off credit cards, and medical bills.. and a repoed car from January… He has messed up my life… If I knew I would be ok to wait and file bankruptcy at a later date I would leave ASAP… but I have a judgement against me on a medical bill… so I think the smart thing would be to stay here and wait it out til after bankruptcy….

I WANT TRUE ADVICE!!! and please no degrading me… I hear it everyday from him and cant take it anymore…. SO PLEASE HELP ME!

I graduated Pharmacy School Summa cum laude in 1991.All of my experience had been in retail pharmacy. Married a complete loser in 1994 and went on a path of self destruction. Charged with 3rd&4th degree cds felonies in 1994 and completed all sentencing early in Feb of 1997. I voluntarily gave up my pharmacy liscense in NJ at the time of arrest. Had to claim bankruptcy at that time, credit cards, car payment etc, didn’t cover student loans. I am in default on loans and I am trying to work out something w/them now.Have been told I have to wait 10 years to get record expunged. I had my son in 1996 and have devoted all of my life to him. Have been trying to get a worthwhile job for quite some time but, haven’t been very successful. Finding my self in a situation where I may have to move out on my own and support my son and I need some advice on how to present myself to potential employers, on resumes, on interviews and any advice as to what kind of job I should try for with my educa.?

No felonies, misdemeanors, bankruptcies, DUI’s, nothing – and I have a current/valid license (except I think I let my insurance lapse, I only drive work vehicles & they’re insured).

If it were between me & other candidates, they would not pick me – because my credit is bad (student loans) – not even sure if they’ll check credit – but would they renig the offer if they discovered this?

Also I accidentally skipped jury duty last year, but I don’t think I got in trouble for it b/c I paid for a background check on myself online & there were no warrants on me…..and a cop let me go for speeding a few weeks ago (after checking my license) – is this a good sign the law is not looking for me due to unpaid parking tickets?

How deep will they dig, and what is the worst case scenario?
I was mistaken – car insurance isn’t lapsed.

And hopefully if I was in trouble for jury duty or parking tickets it would’ve shown up on the online background check I did this week…?

BUT STUDENT LOANS ARE A BIG DEAL…..IF THEY FIND THESE AS 2 HARD INQUIRIES ON MY CREDIT (IN THE EVENT THEY CHECK THIS) AM I SCREWED!?

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1 min ago 12.21. 2010:ETHICS I JUNGLE DEMOCRACIES ::DOUBLE STANDARDS OF ETHICS @MOST LEVELS OF DEMOCRACIES: EQUITIES
MAY BE SUBMERGED AS WRECKAGE OF CENTRY OLD tITANIC@ ATLANTIC OCEAN BED:::: we can thank god/s OF religions THAT,democrats lost control of US house of representatives. A rebel gop leader of weaker people VIZ THE REV DR KAMAL ROYrequest gop lead house to urgently convene a fULL FLOOR HEARING TO FIND FACTS ,HOW EASILY B H oBAMA & DEMOCATIC PARTY, USA AND/OR NATIONAL COMMITTEEDID COVER UP ISSUE OF CIZENSHIP OF BH OBAMA S ON 1.20.2OO9 FOR MANY VIOLATIONS OF LAS OF U S CITIZENSHIP,INCLUDING FACT THAT AS ADULT HE ABUSED US PASSPORT AS CITIZENSHIP LAWS WHILE OAMA, BH VISITED pAKISTAN IN 1981 , AND DURING SUCH TIME INDONESIA & USA HAD HAD NO DUAL CITIZENSHIP AGREEMENT. DR ROY ALLEGED THAT IF OBAMA HAD ANY US CITIZENHIP, HE DID LOSE IT AND HE DID NOT ACQUIRE IT.OBAMA BH, NOW FULLY ADULT & COMPETENT IN LAW, AS A LAW GRADUATE FROM HARVARD THAT HE WAS BORN OF A US WOMAN BELOW ADULTHOOD, 18 YRS OR LESS AGE AT THE TIME OF DELIVERY WITH AN ALIEN FATHER DID SKIP U S NATIONALITY LAWS TO SECURE U S CITIZENSHIP AT BIRTH. LAWS OF USA IN 1961 DID NOT ALLOW ALIEN(LAWFULLY) CHILD TO SECURE US CITIZENSHIP EVEN A MINOR WOMAN WAS OTHER OF BABY OBAMA. HOUSE UNDER GOP CONTROL MAY NOT EVADE ISSUE OF SOVEREIGNTY OF USA. oBMA COULD BE LAWFULLY BRITISH, OR KENYAN, MAY EVEN BE A FAKE KENYAN AS IN 1961 MOMBASA, AS NOT KENYA; HE COULD BE iNDONESIAN, HE IS SURE NOT BORN OUTSIDE PLANET EARTH. ABOVEDR ROY WAS A LAWFUL AND F E C WASHINGTON DC REGD CANDIDATE OF U S pRESIDENT , REG ON SEPT 27. 2007, HE WAS AUTHORIZED AS A CANDIDATE OF U S PRES. NOV 4, 2008 ELEC TO FILE ELECTION PETITION TO VOID ELECTORAL GRIEVANCES ON FRAUD OF CANDIDATES% QUESIONABLE CONDUCTS OF A CANDIDATE. B H oBAMA’S BIRTH ND CONTINUES U S CITIZENSHIP IN USA,IF HE HADANY, WERE LAWFULLY RAISED , BUT ISSUES WERE DECLINED FOR GROUND TO VOID IT ON BEHALF OF POWERFULS IN USA. lAWS R LAWS IN USA BEYOND THE CONDUCTS OF POWERFULS. tHE usa ATTORNEY GENERAL,N

I find myself more and more isolated in my frustrations…. seeing the Fed delaying the inevitable- bailing out another huge corporation with my money.

NO ONE is being taken to court, everyone escapes responsibility for bad decisions over the reliance on the ratings agencies. they get their trading bonuses right away, before any loan performance can be verified. where the h@ll is the accountability here??!! doesn’t anyone else care?!

my parents got fu&*ed 10 years ago when someone bought their house with no money down and then he defaulted. they were pushed to the edge of bankruptcy after working all their lives to buy a home. where the hell was the Fed to bail them out?!

is it because americans are clinging to the dream of being the ones doing the screwing instead of the ones getting screwed…?!

that’s why everyone is content with these disgustingly corrupt politicians that the bankers own?!! they pay off politicians on both sides of the aisle so that the bad lending practices continue, and nothing changes…. further funneling what little wealth the public still has into the fat cat’s pockets! is it going to take a North American Union for people to wake the h@ll up? will they even then?

http://news.yahoo.com/s/mcclatchy/20080909/pl_mcclatchy/3040652

http://theprolific.com/2008/08/meet-obamas-corporate-backers/

http://uk.reuters.com/article/stocksNews/idUKNOA53525520080605

Mike B:

Basically, they had moved out of the house, the deal fell through, and they spent thousands trying to relocate and resell the house

A&P also has one of the most heavily unionized work forces in the business, with 95 percent of its workers covered under collective bargaining agreements. It said in its filing it would seek to work with the unions to lower those costs.

The United Food & Commercial Workers represents nearly all of A&P’s workers in 26 UFCW locals throughout (primarily) the Northeast. On Friday, in a statement to its members on its website regarding the rumors of the impending bankruptcy filing, the United Food & Commercial Workers, Local 342, laid the blame for bankruptcy wholly at the feet of management:

http://www.redstate.com/laborunionreport/2010/12/13/the-cost-of-unions-the-great-atlantic-pacific-tea-company-files-for-bankruptcy/

I am 15yrs old and wish to obtain a job as a vampire for six flags fright fest here in St.Louis,Missouri. Earlier in the year (February) I went to http://www.sixflagsjobs.com/index.aspx, had took an online job application,& was scheduled for an interview as a costumed character, since it says they do accept 15 year olds in that position. So, I went to the place where the interviews where held and the man who interviewed me went ahead and scheduled me for another interview, but within two days they called me up and told me that there were no openings available at that time but I also understand that this is a relatively large park and people get fired,quit,etc., so I think I might still have a chance, but I am not quite shure what to do at this point. I really, REALLY want this job badly, and believe I would make a great addition to the six flags community. Also I do know six flags is in bankruptcy, so I think this is a good time for me because I can work at minimum wage. What are your opinions? Should I call them or something? I’d appreciate all of your inputs, and thanks!!!
As a costumed charachter/actor @ fright fest.

Social security is already insecure by Government.

Because the market is down the naive are out in abundance with statements about how lucky everyone is to not be able to invest their own money…but let me remind you, while the markets may be down, it is the Social Security fund that is teetering on bankruptcy.

Also, there has never been a 30 year period in the history of Social Security where the S&P didn’t completely blow away the returns on Social Securuty (look it up)…even if you were 100% in stocks today, having started 30 years ago you would have more money than Social Security delivers.

No one would have lost all their money. Its Always been conventional wisdom to convert most of your investments into safe stocks and bonds 5-10 years prior to retiring, so if you were invested 100% in the market and prepared like everyone else for retirement, you would be just fine.

Low cost, no load index funds such as Vanguard and Fidelity have excellent retirement funds that beat social security hands down.

If we privatize social security, we balance the budget.

Don’t let the naive, uneducated, or down right ignorant people fool you, a guaranteed 2% return built on a Ponzi scheme is not a good deal.

I have heard that creating a living trust might not protect me nor my assetts, particularly if I’m a beneficiary to trust designee, and the one that created the trust. I have 2 kids that I could gift the cash to. Can a lender/creditor come after my kids assetts since they are minors and I’m the custodian of their bank accounts until age 18? I’d really like to find a way to shelter and protect my cash savings (about ,000) that I have worked all my life for, rather then letting a crappy housing market wipe me out in a span of 2 years. I live in Arizona by the way- if that helps. I have never filed bankruptcy, and I always pay my bills, but if i had to foreclose I do NOT want to lose my last and only means of getting myself back on my feet. I fought so hard for so many years to save. Thank you for any advice.
Thank you all for the great advice. I should elaborate as many are thinking "What’s the problem since i have K in cash?". I bought in Jan 2006, & opted for an IO loan for 5 yrs to keep my payment low & save cash to complete a divorce settlement, get a new car, and get my life back on track. I got a really cheap used car with 100K miles & settled the divorce favorably. Since then, my home value slid downward over k. To refinance & return to 100% loan-to-value, it would eat all my savings; & that’s only if someone would lend to me. In hindsight, it was a bad move to buy. I should have probably invested the cash up front to get a fixed loan. Now I’m afraid with all the talk that values will slide another 12%. I dont think I can recover a 30% loss within next 3 years. Thus, when my loan resets, I’ll be upside down & unable to afford the new payment, & Foreclosure would be an option on the table. I just want to protect what is left if I can. Thanks again – Great ideas you all have.

I am 15yrs old and wish to obtain a job as a vampire for six flags fright fest here in St.Louis,Missouri. Earlier in the year (February) I went to http://www.sixflagsjobs.com/index.aspx, had took an online job application,& was scheduled for an interview as a costumed character, since it says they do accept 15 year olds in that position. So, I went to the place where the interviews where held and the man who interviewed me went ahead and scheduled me for another interview, but within two days they called me up and told me that there were no openings available at that time but I also understand that this is a relatively large park and people get fired,quit,etc., so I think I might still have a chance, but I am not quite shure what to do at this point. I really, REALLY want this job badly, and believe I would make a great addition to the six flags community. Also I do know six flags is in bankruptcy, so I think this is a good time for me because I can work at minimum wage. What are your opinions? Should I call them or something? I’d appreciate all of your inputs, and thanks!!!

My wife and I are in the middle of a Chapter 13. We had our 341 meeting about 2 weeks ago. In our plan we are supposed to keep our vehicle and our home. We have been making our normal payments on these. Today we received a "Proof of Claim" in the mail from our Trustee with an attached "Proof of Claim" from our auto lien holder. (BB&T) We’ve always made our car payment and we don’t understand. Can anyone out there give us an idea what this means? Why are they making a claim against us if we are continuing to pay them? Thanks for the help.

I didn’t have an Attorney!…

* I didn’t qualify for a free Attorney due to a Conflict of interest… (Because my Ex is a Police Officer in this State (DE)!)

* My Ex’s Parent’s PAID for my Ex’s Divorce Attorney, while knowing that my Parents couldn’t, because my Father is Deceased and my Mother has Alzheimer’s Disease.

* My Ex took (and/or Closed) all of our Money, Credit Cards, Bank & Credit Union Accounts, Stocks/Bonds, Medical Insurance, Pension, Etc.

* I was a "Stay-at-Home" Mother/Housewife, with NO income during the ENTIRE Marriage.

* I was 100% Disabled during the ENTIRE Marriage.

* My Ex Filed for Personal Bankruptcy one (1) week PRIOR to Filing for DIVORCE!

* My Ex ‘Abandoned’ our daughter & myself, but was NOT charged with ‘Abandonment’, because my Ex claimed that he took our 4 yr old Daughter with him when he left our home. (Which I have witnesses that can prove is False.)

* My Ex mislead the Family Court & was Granted an Interim Custody Order with our Child Residing with him, and NO Child Support, just a Bi-Weekly (for Myself) Visitation Order.

* The 14 Month old Divorce Decree DOES NOT INCLUDE:
- A Spousal Support Order,
- A Property Division Order,
- or ANY other Agreement/Order, besides the Interim Custody Order.

* The Divorce was Granted by DEFAULT, on the grounds of "Irreconcilable Differences".

I have been FORCED to depend on Friends to survive, and REALLY NEED to go after what I’m ENTITLED to, after being Married for 10 years.

Has anyone EVER been, or know of someone who has been through my situation, and if so PLEASE give me advice as to what I have a right to, or any advice at all, as to what I can do about it. I cannot seem to find any help online, or without an Attorney (because I can’t afford one, & can’t find one "Pro Bono").

I would really appreciate any help/advice that you could give me.

* THANK YOU! *

My husband and I were working towards becoming debt free following Dave Ramsey’s plan and in Feb he got in a car accident and lost his job.

I make a decent salary so I’m paying all our major expenses and we cut everything unimportant (cable, internet, restaurants, etc). I also do calligraphy at night & weekends for extra money.

We had quite a bit of credit card debt that we racked up in college. We are not using the cards anymore and have been living 100% cash for the past 3 years.

I simply cannot pay the minimum payments (after August 2009) until my husband gets another full-time job. He is applying everywhere and we are selling things and working odd jobs to make up the difference and trying not to use any savings for as long as possible.

We also have medical debt that his insurance company denied and we are paying a little on that to keep it current. Our lawsuit will probably settle that so I’m not worried too much about it.

We have applied for unemployment but it is still processing. Not sure what is going on with that but it is supposed to be 0 per week.

Will credit card companies work out a goodwill payment until we get back on our feet? I’ve never had a late payment in my life. I just want to try to pay /card/month to show that I’m willing to continue paying my debt.

I have a baby on the way and I have no idea how expensive this is going to be.

Do consumer credit counselors work? I hear a lot of people jaded by them and say it is better to file Chapter 13 bankruptcy and work out a payment plan.

I’m sure it can’t be much longer before husband finds another job but I want to prepare for the worst.

Thanks in advance!

I Figure someone has seen this debit card program. Maybe you can tell me if this is real. I need a debit card, because I’ll be travelling a lot. I’m preparing to do behind the wheel training with Swift trucking – to be an over the road truck driver.

I don’t expect to get back to my (former) home often enough to pick up bills Besides, I won’t have any. And until I make enough money to get a laptop, I couldn’t keep up with them, if I did. Due to my divorce & filing bankruptcy, my credit is screwed anyway. So credit cards are out.

Yes I know It’s a mess. I hope it can get better from here.

Either way, I just want to know if you can get a debit card where you don’t have to have a bank acount? They claim 100% approval. But, there is always a catch. Beside I won’t have the opportunity to get online to deal with this if it’s a scam. I just want to know if it’s real. I only have a few days. Here’s is the program. http://advantagevisa.120bucks.com
Thanks for any advice.

I bought my daughter this for her bday thinking it was a great deal for a touchscreen MP3/4 device. Loaded the software but when we tried to put music on it, it says "device cannot be found". I have looked online to no avail.

I was going to contact Sharper Image but their website says the ORIGINAL Company filed bankruptcy & anything not bought off their website they cannot help with. (This was bought through Avon). I can not find any info on Avon’s website either.

At this point I feel I wasted on a device that I can not return (bought it in July & waited for my husband to try to figure it out when he came home this month) PLUS if I can’t get it to work I will have to replace it with something comparable for my daughter!!

Any help would be greatly appreciated!