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Tag Archives: debt settlement

Det Ettlement – Taking the B.S. Out of Debt Settlement (Funny Video)

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Here is a video that Amanda Miller from the site put together for her first video assignment. She wanted to share what debt settlement sales people should tell you in a funny and honest way. Let us know what you think of the video in the comments below and if we should do more. Comment, comment, comment below, please. Get ... Read More »

Do I Really Have to Default on My Debts to Go Into a Debt Settlement Program? – Mark

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“Dear Steve, I’ve considered both the Debt Management and Debt Settlement routes, but was told that I must first default on all of my cards before pursuing the latter. This strikes me as an extraodinarily risky move to make (the default interest rate on most cards is astronomic). Is there any way to pursue Debt Settlement without first defaulting; or ... Read More »

We Are Making Ends Meet But Have No Extra Money to Put Toward Our Credit Cards. – Sarah

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“Dear Steve, We are making ends meet but have no extra money to put toward our credit cards. We have no breathing room. We can’t leave town to go see our family without worrying about being able to pay our bills. We are making ends meet but have NO breathing room and can’t even put extra towards our credit cards ... Read More »

We are Using Your “Eliminate Your Debt Like a Pro” Book and Have Some Questions. – Joanne

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Joanne “Dear Steve, We are using your “Eliminate Your Debt Like a Pro”, We have Credit Card Debt and Loans from Business’s that were sold in 2006, We moved to Asia so my husband could take a very good paying job. The contract that he signed states that there could be no bankruptcy in our past. I am assuming that ... Read More »

Carol Wrote Me And Asked “Would You Advise Debt Consolidation?”

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Carol “Dear Steve We are in debt up to our eyes. We are not behind in anything. We didn’t want to get to that point. We were denied financing our house for a longer period of time–our debt to credit ratio wasn’t good enough. However, we didn’t want to borrow any extra money. Would you advise a debt consolidation? Carol” ... Read More »

TheCreditExchange.com Signed Me Up For Allegro Law Debt Settlement. – Michele

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“Dear Steve, Had 55+ debt from a divorce turned to thecreditexchange.com in Orange County CA to enter a DMP, they signed me up with Allegro Law. I have been with “The Program” since March 2009 in which of course I paid my fees up front, now they have $4320.00 of my money, since I just learned about this situation, of ... Read More »

I’m Worried That Credit Solutions is Not Communicating With Me. – Samantha

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Samantha “Dear Steve, I had good credit and was paying my bills on time, then litterally overnight I realized I couldn’t make the payments any more and my cards were maxed out. I joined Credit Solutions, a debt relif group. But now my credit score has drop dramatically and little communication from them makes me wonder if I made the ... Read More »

Peter Is Trying to Find Shelter In These Uncertain Economic Times

Financial Tornado

“Dear Steve, I’m wondering if it time for a a mid-recovery, mid-recession course correction? My situation is grad school era babies, two layoffs and completely unnecessarily missed/late CC payments have buried us in CC debt (65K@30%APR), auto (6K@0%, 15K@7%) and student loans (35K at 8%) with little hope of lower interest rates or new financing options. Thankfully we got out ... Read More »

Debt Collector Won’t Send Me Debt Settlement Agreement in Writing – Kathy

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Kathy “Dear Steve, Currently in the process of paying a settlement for a debt owed due to my car being repossessed. This settlement is through NCO Financial Systems. The agreement was initially on the phone for a set amount to be paid over 6 months. This was secured with an immediate withdrawl from my bank checking account, and NCO Financial ... Read More »

I Was Working With Debt RX USA. They Promised Me 40% Settlements But I’m Being Sued. – Amanda

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“Dear Steve, I contracted with DebtRxUSA to work through debt settlement. I was promised at least at 40% setttlement on my 2 credit cards. It has been an uphill battle with them to get them to respond to my questions and concerns, return phone calls and emails, and my creditors are telling me they will not deal with them. After ... Read More »

Jim is Looking to Pay Off His Debt For Half of What He Owes

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“Dear Steve, I’m overextended and about to pay off approximately $30,000 in credit card debt and would like to negotiate with credit card companies. If I settle for a smaller amount owed to the credit card company – will this reflect negatively on my credit report?? Jim” Don’t miss our free Get Out of Debt – “How To” Guide Series ... Read More »

How Do or Can I Settle My Debts on My Own? – Shawna

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Shawna “Dear Steve, I have 20,000 on 2 credit cards and a an interest free loan of 15,000 from my mom. I would like to be able to pay off both cards with the 15,000. Is there a way to request to see if the 2 companies would reduce the amount I owe them if I paid it off immediately ... Read More »

I’m Leery of Debt Settlement. – Lynn

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“Dear Steve, I have my own business, too much debt, built new house, I’m not working, helping in our business. Can’t afford minimum payments anymore. Looking at debt settlement companies, but leary. Owe about 140,000 in unsecured debt. Don’t like the idea of bankruptcy, but can’t afford high mortgage & credit card debt as well as 2 RV payments & ... Read More »

Why I Love Debt Settlement and Why Debt Settlement Isn’t Going Away

Debt Settlement Dog

Based on some of the things I’ve written about debt settlement some people may think I actually hate debt settlement. In fact nothing could be further from the truth so I wanted to talk about it. With all that has gone on in debt settlement with the investigations, FTC telephone sales rules, Senate hearings on debt settlement, the Debt Settlement ... Read More »

Should We Use Freedom Debt Relief or an Attorney to Help Us With Debt Settlement? – Debbie

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“Dear Steve, We are drowning in unsecured debt and cannot get our heads above water. We are trying to decide whether to go with a debt settlement company (we are leaning toward Freedom Debt Relief) or contact an attorney. Not sure if the fees would be comparable- or if the attorney would be able to help us in the same ... Read More »

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