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Debt Settlement

Can I Settle My Debt Myself? – Harvey

Handshake with Money Sign

“Dear Steve, I was wondering if it’s advantageous to try and settle multiple cards at one time? The 4 cards will charge off in March (within about 20 days of each other). I will have access to some money by then. With that and a tax return, I might have enough to settle them together. Should I mention to each ... Read More »

My Capital One Account is Higher Now Than When I Enrolled in the Debt Settlement Program. – Maureen

Why?

“Dear Steve, My question is this: I am enrolled in a debt consolidation program with care one. I have already settled 2 of the 3 accounts that are part of my plan. The last one to be settled is a capital one account. I talked to care one today regarding my account and they told my that the company representing ... Read More »

How Do I Get My Money Back from Professional Debt Consultants, Philip DiVirglio and Henry Conerly? – Dolores

fist

“Dear Steve, You may or may not remember me , I contacted you some time ago about Professional Debt Consultants, Philip DiVirglio and Henry Conerly. They collected their fees up front, lied to a number of entities in reference to a complaint I had filed with them (Fla BBB) that he had performed his services as contracted, which was just ... Read More »

Is World Law Direct a Scam or a Real Program? – Debra

Speech Bubble - Q&A

“Dear Steve, I keep receiving emails and phone calls from world law direct. This Sr Financial Consultant, Louis Comolli, tells me he can negotiate with my creditors and lower my payments so that I am no longer paying interest on my credit cards. He would take a payment from me each month and put the money into an escrow account ... Read More »

LGR Consulting Told Me I Could Get a Loan to Pay Off My Debt and Then Switched Into a Debt Settlement Program With Pinnacle Law Group. – John

odd

“Dear Steve, I was contacted by a company LGR Consulting in NY. They were offering me a loan to specifically consolidate my credit card debt. For some odd reason I provided my credit card information. They did not approve they loan as I expected but did direct me to a law firm Pinnacle Law Group. They then wanted to do ... Read More »

Lloyd Ward Law Firm Refused to Refund Money Sent to Him. – Carolyn

Rejected stamp

“Dear Steve, Lloyd Ward law firm refused to refund money sent to him. I was with the debt resolution part of this company. They kept all monies for themselves ( except $100.00 per month to go toward settlements of about $50000.00 )I sent them about $1700.00 and received around $300.00 in refunds. I have tried to get a response from ... Read More »

I’m Unemployed But Using Savings to Keep Current With Credit Card Payments. – William

unemployed

“Dear Steve, I have a total of $17,000 in Credit card debt ($3800 in Business Credit Card Debt) from 6 different cards. I am current on all my payments, however I have been unemployed for the last 7 months due to a disability and am running out of savings to cover the minimum payments. I recently have received a loan ... Read More »

Can You Show Me How to Settle My Sallie Mae Student Loan Debt I Cosigned For? – Alexandra

Student Loan Corkboard Concept

“Dear Steve, I am a 76 year old retired professor. I was not educated in this country and my daughter took out all her own loans for her education in the nineties. So in the last five years with out realizing what I was getting into I co-signed for an educational loans for one of my mentees to get an ... Read More »

How Do I Go About Settling My Debts if I Can’t Qualify for Bankruptcy? – Joe

money-torn

“Dear Steve, Because of financial hardship I have not been paying our large balance credit cards for over 12 months. There are 5 credit cards totaling about $140k in balances. This was all caused by a reduction in pay over the last 3 years of about $100k per year. We also recently short sold our home and now are renting ... Read More »

We Are Both Public School Teachers and Getting Sold by Accredited Debt Relief. – Amanda

scammer

“Dear Steve, My husband and I are both public school teachers. We have had two children in the last 5 years, and we have not had a raise. We pay $1200 a month in daycare along with our mortgage, student loans, and the other standard bills. We have leaned on our credit cards, and we now owe almost $40,000 in ... Read More »

Is National Remedy Center the Same as Remedy Law? – Kevin

qa3

“Dear Steve, Getting the same advertising from same company that keeps changing their name. Is National Remedy Center the same company Remedy Center Law Associates and Remedy Law and Remedy Center and Prudent law? Kevin” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and ... Read More »

I Have Five Payments Left With Legal Helpers. Should I Cancel? – TC

Writing Q&A, Questions and Answers on a blackboard.

“Dear Steve, Been in Legal Helpers for 32 Months no debts had been paid. We were settling BOA debt with Budnik n Dynia LLC and they dropped the ball and sold account to another company . Nothing been settled and paid over $20k to Legal Helpers. March 2013 is when my last payment and program should end. I dont know ... Read More »

I Settled My Debts With Everest Debt Solutions. – JB

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“Dear Steve, Had Credit Card Debt with Capital One for around 10,000 I just recently read your article on Everest Debt Solutions. Interesting to say the least and made me a little nervous! I enrolled in their program 2 years ago. As far as I can tell, they have done what they promised…..a 24 month program in which I have ... Read More »

Did Consumer Affairs Legal Center Close Up? – Karen

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“Dear Steve, Hello, my name is Karen and I signed up with Consumer Affairs Legal Center back in 2010 and I am having nothing but trouble trying to contact their company regarding creditor problems. I have been following this column for a few months after one of my co-workers saw this column and knew that I had signed up with ... Read More »

What is Your Honest Opinion About World Law Group? – Tammy

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“Dear Steve, I am in about $28,000.00 in unsecured credit card debt. I got a flyer in the mail about 3 weeks ago stating they could help me get out of debt. I called the number and in about 2 days I got a call from World Law Group and before I knew it I was signed up with them ... Read More »

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