“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 »

“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 »

“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 »

“Dear Steve, I started with My Choice Debt Management in 2009, that turned into Debt Validation of America shortly thereafter and later it hired THE FIRM PLLC to do their legal work after they realized they were not operating legally. I paid $1471/month in to an escrow account for 2 years for a total of $35,325 total (of course a ... Read More »

“Dear Steve, We have been sending money to Good Shepherd for a few years now and they have actually helped us clear two of our debts. But we two more and I cannot get anyone to answer the phone or return an email. We now have one of those debts that has gone to court and we are being sued. ... Read More »

I asked Michael Bovee, a debt settlement expert, to answer your question on my behalf. Here is Michael had to say. “Dear Mchael, The “Law Offices” of Michael K Sipes (in Elk Grove, CA) bought an unpaid credit card debt of mine. The balance was around $4000 when it was charged off. The court awarded a judgment, totaling about $5000, ... Read More »

“Dear Steve, I was in debt and i chose Lloyd ward and associates about 3 years ago. i sent them aroung 9000.00 and they settle very few accounts. I ended up settling several of the accounts myself. i closed my accounts with them about 6 months ago. i am being sued by 2 of the accounts that i have papers ... Read More »

“Dear Steve, I have a contract with World Law. I saw the letter written to get out of a contract from a person with the exact circumstance I am in. I am being sued, and only have settled on my own with money outside of the program. About 60 K in debt, with 14 cards (5 of which are now ... Read More »

“Dear Steve, I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage. Are there any financial risks or obligations that I should be aware of, either now or in the future? Karen” The Answer Dear Karen, I didn’t even make it past ... Read More »

“Dear Steve, I too am a client of Freedom Financial (www.christiandebtlaw.com) . I made monthly payments via bank draft for about 3 years to a “savings” account that Freedom Financial set up for paying settlements. Freedom Financial initially paid 2 of my accounts just as they said they would, then they haven’t paid anything since. I am no longer sending ... Read More »

“Dear Steve, I currently have $39,000 in credit card debt spread across 5 cards. Two with Chase and 1 each with Citicards, Bank of America, and American Express. I am not behind on any payments, but am only able to make the minimum due on each card every month. I expect that in the next month I may be receiving ... Read More »

“Dear Steve, Currently have $35000 in credit card debt. Unable to get a loan because debt ratio. Consult America has offered a credit card rate reduction program which will reduce my monthly payment from ~$900 per month to $670/month for a period of 36 months. They say my total debt wiil be reduced by $10,900. Does this seem ok? Haven’t ... Read More »

“Dear Steve, i entered in agreement with enlighened debt solution and then it went johnson law though i paid off an account two years later they calling saying i owe them 5,678 trying to find way to contact johnson law to find out what they paid. Merrill” The Answer Dear Merrill, Do you have any idea if your account was ... Read More »

“Dear Steve, I signed up with Oak View Law Group (OVLG) in November as I had 7 short loans in the amount over $3,000. I live in New York State. I was trying to help my daughter when she lost her job last summer so I borrowed all this money. Unfortunately I was not able to pay the loans. When ... Read More »

“Dear Steve, I am a current participant of Morgan Drexen for less than 4 months and to date, I have not had any real concerns. My only problem is that my gas & electric bill has been very large since November and I had to make a huge sacrifice financially. I did ask for payments to be reduced because I ... Read More »