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Debt Settlement

Clear One Advantage and ACCC Both Say They Can Help Us With Our Debt. – Ty

questions

“Dear Steve, My wife and I have a combined debt of 75,000.00. A large part of this is due to using credit cards when I was out of work for a year and a half. This was 4 yrs ago. We are current on all of our debt but find that we are just getting by paycheck to paycheck. We ... Read More »

I Feel Cheated by Debt Validation of America and The Firm. Help! – Bonnie

help woman

“Dear Steve, Several years ago I contracted with Debt Validation to negotiate and pay off my debts. Over two years, I gave them $400 per month, totally about $9,000. I have not been able to get info from them for awhile, and now I just found out they went bankrupt, are being picked up by The Firm, who did not ... Read More »

Will I Ever Get Justice for Being a Victim of Allegro Law Debt Settlement? – Rebekah

Beautiful blond girl with sky as a background

“Dear Steve, We were with Allegro Law for 3 years, and did file the forms with the appropriate people when the scam was uncovered. We have been waiting several years for our refund from Allegro Law, it has still not been resolved it seems. Have you hopefully an further info on when payments might be. The last update on the ... Read More »

A Law Firm Says They Can Protect Me When I Settle My Debt. – Sherrie

Woman Whispers a Secret

“Dear Steve, I received settlement offers from my creditors. How do I ensure that they do not sell my account to another party for collections after receiving the settlement? I was told by a debt counselor working with a local law firm that I could settle my accounts on my own, but creditors have been known to then sell the ... Read More »

I Want to Sue World Law Group for Doing Nothing but Getting Me Sued by Discover. – Sherrie

angry woman

“Dear Steve, I was contacted by World Law Group 10 months ago when I was struggling to make payments on my credit cards as I was returning to school to obtain my masters Degree as a Family Nurse Practitioner. I was told that due to the reason for my pay being cut that i qualified for this offer due to ... Read More »

How Does Advocate Credit Attorneys Work to Eliminate My Debt? – Richard

Drive Carefully

“Dear Steve, I have 8 credit cards that I would either like to combine payments(consolidate) to reduce my total monthly payments and also lower or reduce the monthly interest. Better yet, I would like to explore sometype of lump sum settlement with some of them at a lesser amount than is owed(cents on the dollar) to reduce my debts. Why, ... Read More »

Consumers Alliance Processing Wants Me Backdate Texas Agreement. Is That Legal?

caution

“Dear Steve, 3 years ago I enrolled in Consumer Alliance Protection Processing management program. I’ve been paying regularly and have not had any failures on my end to pay monthly. Today I got a letter stating that they were sending me a “Updated Contract” approved by the state of Texas. They say “We are in the process of updating our ... Read More »

We Are Working Through Lloyd Ward to Resolve Our Debt But Have a Problem With CACH. – Melanie

closeup of a gavel on cash, from above

“Dear Steve, A few years ago, I maxxed out a credit card through HSBC Bank. Up until this past November, I had been paying $100 per month, as agreed to in a phone conversation with Midland Management. Even though I had requested several times for them to send me a copy of the debt owed and payment agreement, they never ... Read More »

A Debt Law Firm Says They Can Get Me Out of Debt in Two Years. Is That Safe? – Stephen

Why?

“Dear Steve, The total balance across my 6 credit cards is $13,500 and I am paying $308 monthly in minimum payments. A debt law firm has offered to put me on a 2 and a half years program that will get me out of my debt. While I stop making payments to my creditors, I will pay $264 x 30 ... Read More »

Is Defense Lawyers a Reputable or Legitimate Company to Work With? – Gwynne

Problem Solving Series

“Dear Steve, A debt consolidation company contacted me by phone this week inquiring if I would be interested in reducing my credit card debt. I listened to what they had to say, however, I did not give them my credit card numbers or bank names as I did not know if they were legitimate or not. They gave me the ... Read More »

My Bank Says They Won’t Work With Nationwide Debt Direct. – Bill

time bomb

“Dear Steve, I noticed you commented before about Nationwide Debt Direct. I had a preliminary talk with them today. They came up with a ballpark monthly payment that, they say, would pay off my grand amount if they can successfully negotiate lesser balances with the credit cards. But what worries me is that they need me to set up a ... Read More »

I Tried Getting My Money Back from Lloyd Ward Law Firm. Nothing Was Settled. – Carolyn

oops

“Dear Steve, I tried getting help from you, and you gave me some advice that did not help. I have been scammed by debt resolution companies ( one charged me over $600.00 a month and only applied $100.00 to my debt. Nothing was settled in over a year. I guess I don’t have a question, nothing was resolved before. Carolyn” ... Read More »

Nobody Can Tell Me Where My Money Went When the Johnson Law Group Went Out of Business. – Ashley

hiding

“Dear Steve, I was a client of the Johnson Law Group (Jonathan Rufus) 2009-end of 2010 early 2011. I had consolidated my credit card debt. They managed to pay off all but the ONE BIG ONE. They took out $400 from me monthly for 18months and never paid off the big one I asked them to negotiate. I now.. have ... Read More »

Is Century Negotiations a Reliable Company? – Bonnie

OLYMPUS DIGITAL CAMERA

“Dear Steve, I have settled one credit card and need your advice. I need to know if Century Negotiations is a reliable company to with to get out of debt. They have settled one credit card. I have 2 more to settle. I am thinking of getting a bank loan to pay off CNI. I have also inquired with BBB. ... Read More »

Should I Cancel With Persels & Associates? I Could Just Cry. – Ruth

hug

“Dear Steve, Husband and I have been in credit card debt for several years. We are in our mid 30s, have a 15 yr. mortgage, and 10k tax debt. I feel covered up. I don’t want to have a child because of all the debt. I want to see the light at the end of this dark tunnel. We joined ... Read More »

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