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Debt Settlement

Is Consumer Debt Initiative of National Credit Assistance a Scam? – Christina

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“Dear Steve, I think this is a scam, but wanted to check and see if you have seen this company before. Christina” 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 help to beat back debt. – Click Here The Answer Dear Christina, Let’s ... Read More »

I’m Very Concerned About the Problem Between The Debt Answer and Lloyd Ward

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“Dear Steve, 2 1/2 years into 3 year program with The Debt Answer (Simon & Bosch & Lloyd Ward Law Firm). 4 settlements have been completed or in process of completion. Still have two to complete. Very concerned about this problem between Lloyd Ward Law Firm and the Debt Answer. Have been contacted by both and not sure who I ... Read More »

Attorney Lloyd Ward and The Debt Answer Want Me to Switch My Debt Settlement Account to Each Other

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“Dear Steve, I just spoke to Debt Answer and was told that Lloyd Ward and Lloyd were partners and they split and now they are fighting over clients. Lloyd ward put a hold on my global solutions account for drafts but is still collecting the fees. Debt answer told me that I have to close my Global Solutions account and ... Read More »

How Much Will Omni Credit Services Settle For?

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“Dear Steve, I went with the previous advice and chose to let the delinquent account go into a charge off status. What will Omni Credit Services generally accept as a settlement amount? I previously inquired about what to do about a debt I owe on a defaulted store card due to job loss. I decided since it had been so ... Read More »

Chase Bank Says They Won’t Settle Our Debt And Want Us to Go Bankrupt. – Sarah

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“Dear Steve, My husnabd and I are in the process of trying to settle $25,000 (just under) of debt with Chase (Visa credit card) for $10,000 (it would be a ‘one time’ payment – to come from my wonderful brother). We are now 5 months without making a payment to Chase. We have offered them the $10,000 and explained the ... Read More »

How Should I Calculate the Refund Due From the Debt Relief Company? – Matthew

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“Dear Steve, Hi Steve, I’ve recently made the decision to purchase a home but before I can I need to raise my credit score. As a consequence of that I’ve decided to attempt to settle with old creditors for a change of the status they are reporting to the credit bureaus. A bit more info: I made the unfortunate decision ... Read More »

Is World Law Group Legitimate? – Jeff

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“Dear Steve, I have a relative who has engaged World Law Group to help negotiate down his credit card debt I’m wondering if there is any way to know if this group is legitimate and if there is a general recommendation regarding this firm versus other firms of this type. Jeff” Don’t miss our free Get Out of Debt – ... Read More »

Debt Restructure Group and Next Generation Debt Settlement is a Scam. I Want Revenge. – Joe

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“Dear Steve, Debt Restructure Group, Next Generation Debt, Scam!!!!! Phony addresses, no service, lie, No response. Experiencing almost in exact detail what others have posted about these companies. How can we stop them! I’ve stopped the bleeding but now I want revenge…for the people! Joe” Don’t miss our free Get Out of Debt – “How To” Guide Series on a ... Read More »

Macy’s Won’t Settle With Me on My Past Due Account

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“Dear Steve, I have defaulted on a Macy’s Account. I have sent multiple letters explaining my situation and wanting to try to settle etc, but they just keep sending bills and will not respond to my request. Steve, I wanted to know what I should try to do next. My husband was laid off from work last year suddenly around ... Read More »

I Fear I Made a Hasty Decision Enrolling With World Law Group. – Rhonda

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“Dear Steve, My husband’s commission from work dropped considerably and I have a reduction of hours at work. We just didn’t have enough money coming in each month to cover what should be going out with bills. In September 2011 I recieved something in the mail for World Law Group. I didn’t fully understand debt settlement; I didn’t do my ... Read More »

Is Mathys Law Group Safe to Work With for Debt Settlement? – Mary

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“Dear Steve, I have a total of 4 credit cards and I have fallen behind on one with a large $40,000 balance. After consulting with a credit counseling company, and taking down all the numbers for daily expenses, I was $1400 in the negative at the end of the month. I told them I have had health problems, haven’t made ... Read More »

My Daughter Was an Authorized User and Ran Up My Debt. I Have Cash to Settle. – Sharon

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“Dear Steve, 23K on credit card debt. I am retired and do not make enough to pay these credit card bills any longer. I let my daughter be an authorized user on 2 credit cards. She and her husband both lost their jobs and just recently broke up. I have been able to make the minimum payments for over 6 ... Read More »

The Debt Answer and Lloyd Ward & Associates, What Should I Do Now?

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“Dear Steve, I have been reading up about this co on your site, along with Lloyd Ward and previously Simon and Bosch and realize that my 2 year stint to date (out of 4) of paying them $423.06 a month is probably a scam. I was only researching b/c I feel I cannot make any more payments and must go ... Read More »

If I Settle My Debt With a Collection Agency Can They Sell That Debt? – Tom

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“Dear Steve, Medical problems starting in 2006 which made me unable to work. I am finaly getting compensation, not big money. I want to offer 50% settlement to collection agencies. I’v heard that collection agencies agree to settle then sell the balance to another collection agency. Is there a letter or form that would legaly keep the collection agency from ... Read More »

I’ve Been Enrolled With CountryWide Debt Relief Was That the Right Decision? – Erik

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“Dear Steve, I have been enrolled with Country Wide Debt Relief for some time. I was wondering if I should/can/still file for chapter 7 bankruptcy in order to get out of what seems like a bad situation. After having read one of the emails concerning them I’m thinking this was a bad decision on my part. Thank you Erik” Don’t ... Read More »

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