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Debt Settlement

I Want to Throw Away My Retirement to Settle My Debt. – Curtis

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“Dear Steve, Lost job and had business fail, filed Chap13 but not had hearing yet, wondering if settlement would be better/quicker route. Approx $130k unsecured debt. If settled for 50%) could borrow $50k from 401k, then use $15k bonus from next year to total $65k. Would clear creditors with 2 years. Not concerned with credit rating, nor phone calls from ... Read More »

I Just Signed Up For a Debt Settlement Program With Superior Debt Relief Services. – Bea

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“Dear Steve, Debt settlement. Lost my job and have fallen behind and I can’t do a bankruptcy because of my situation. I just sign up for a debt settlement program and I was very pleased with their professionalism. They answered all my questions. Seem to have a good reputation. They are called Superior Debt Relief Services. What is your experiences ... Read More »

Should I Use a Debt Settlement Company?

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“Dear Steve, Have a total of $74,000 debt to 5 different credit companies. My mortgage payments went double because of variable rate. I am current with my payments. Cannot pay my credit bills anymore. I want to settle with them. I can borrow around $ 22,000 from close relatives and selling some stuff. My questions are first should I use ... Read More »

We Went Into Program With DebtWave and Ended Up With Johnson Law. – Gary

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“Dear Steve, My wife went into a program with DebtWave that was turned over to Johnson Law, but the legal papers keep coming. My income is has diminished as I have taken a very low paying job to survive. If she cannot continue these very large payments, as my low paying job will soon end, and has to declare bankruptcy, ... Read More »

I Am With DebtRx And Being Sued. – Patricia

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“Dear Steve, I am being sued by my credit card company and i am with debtrx. I have no money to hire a lawyer. What can i do to stop this i cannot afford to pay the full amount i owe on this credit card plus late fees Patricia” Don’t miss our free Get Out of Debt – “How To” ... Read More »

Can I Bypass United Recovery System to Deal With American Express On My Own? – Miranda

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“Dear Steve, Two cc’s- one for 8k (amex) 21k (BofA)- about 60 days past due. Saving cash (closed three 401k’s) for settlement on my own Amex has turned my account over to United Recovery Systems. They are rude, intentionally “stupid”, and can’t even make a decision without putting me on hold to “call Amex”. Can I bypass URS? I have ... Read More »

Do You Know Anything About Square One Debt Settlement? – Rini

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“Dear Steve, I have 5 year old debts in collection and judements that I have ignored but want to really take care of this year. I have contacted Square One Debt Professional about a settlement service. Do you know anything about this company? Rini” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number ... Read More »

We Made the Mistake of Getting Involved with Freedom Financial Law & Christian Debt Law for Debt Settlement. – Wand

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“Dear Steve, I have over $20K in credit card debt. Four years ago my husband wanted to start his own business and I was carrying the bulk of salary. As you can see from the debt, his business cost us more than it was worth. We made the mistake of getting involved with The name of the company is Freedom ... Read More »

What Do You Think About Debt Relief Group or Debt Bailout? – Anna

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“Dear Steve, I was able to able to make payments on all my accounts until the company I worked for went bankrupt and I lost my job. As of December 2008, I owe $50,000 on six Visa credit cards. This was when I signed up with Allegro Law and November 2009, I found out as you know that they were ... Read More »

Can You Help Me Find a Good Debt Settlement Company? – Jackie

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“Dear Steve, I’m trying to help my son find a good debt settlement/debt distribution company, an honest one that is not a scam place. Can you help me find one? I’ve searched the net and the more I look the more I get confused. He has always had good credit but he opened a business about 2.5 years ago and ... Read More »

Did I Just Get Screwed By The Achievable and Campos Chartered Law Firm? – Jan

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“Dear Steve, I went thru “the achievable” whom set everything up with campos chartered law firm. They have refunded 25% of what i payed them to get me out of debt. I now have paid out more than the original debt. is there any way that i can claim the loss to off set they amount that i was able ... Read More »

Stopped Making Payments. In Debt Settlement With Option One Financial Group. – Charlie

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“Dear Steve, I have stopped making payments on my cards about 6 months ago due to fact I just did not have the money to keep up with payments…joined Option One Financial Group for help and signed up for a program with them whereas they would contact my creditors and negotiate a settlement with each one…was instructed to make a ... Read More »

Debt Settlement or Debt Negotiation, What’s the Difference? – Carrie

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“Dear Steve, Hi. My husband and I just got married in October 2009. Our financial life together has been anything but a fairytale. I graduated from law school in May but have not yet passed the bar exam and have not been able to find employment in the legal field. I just started working at a new job in the ... Read More »

We Went With a Debt Repayment Company and I’m Freaking Out. – Heinz

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“Dear Steve, We have a debt problem and don’t know how to solve it??? We had some debt and went with a debt payment company to get it reduced and pay it off in 36 months.The recession hit and we lost our jobs, and things got really tight. We have 10 months left to repay it and we have taken ... Read More »

Credit Counseling Can Only Reduce Our Payment a Little. – Andy

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“Dear Steve, We went through a rough period when our second child was born and built up some credit card debt. We had been able to coast along with overtime, etc but things have now come to a head. We are a little late on all our credit cards and just staying afloat. I have spoken to a credit counselor ... Read More »

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