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Debt Settlement

A Law Firm Says They Can Protect Me When I Settle My Debt. – Sherrie

Woman Whispers a Secret

“Dear Steve, I received settlement offers from my creditors. How do I ensure that they do not sell my account to another party for collections after receiving the settlement? I was told by a debt counselor working with a local law firm that I could settle my accounts on my own, but creditors have been known to then sell the ... Read More »

    I Want to Sue World Law Group for Doing Nothing but Getting Me Sued by Discover. – Sherrie

    angry woman

    “Dear Steve, I was contacted by World Law Group 10 months ago when I was struggling to make payments on my credit cards as I was returning to school to obtain my masters Degree as a Family Nurse Practitioner. I was told that due to the reason for my pay being cut that i qualified for this offer due to ... Read More »

      How Does Advocate Credit Attorneys Work to Eliminate My Debt? – Richard

      Drive Carefully

      “Dear Steve, I have 8 credit cards that I would either like to combine payments(consolidate) to reduce my total monthly payments and also lower or reduce the monthly interest. Better yet, I would like to explore sometype of lump sum settlement with some of them at a lesser amount than is owed(cents on the dollar) to reduce my debts. Why, ... Read More »

        Consumers Alliance Processing Wants Me Backdate Texas Agreement. Is That Legal?

        caution

        “Dear Steve, 3 years ago I enrolled in Consumer Alliance Protection Processing management program. I’ve been paying regularly and have not had any failures on my end to pay monthly. Today I got a letter stating that they were sending me a “Updated Contract” approved by the state of Texas. They say “We are in the process of updating our ... Read More »

          We Are Working Through Lloyd Ward to Resolve Our Debt But Have a Problem With CACH. – Melanie

          closeup of a gavel on cash, from above

          “Dear Steve, A few years ago, I maxxed out a credit card through HSBC Bank. Up until this past November, I had been paying $100 per month, as agreed to in a phone conversation with Midland Management. Even though I had requested several times for them to send me a copy of the debt owed and payment agreement, they never ... Read More »

            A Debt Law Firm Says They Can Get Me Out of Debt in Two Years. Is That Safe? – Stephen

            Why?

            “Dear Steve, The total balance across my 6 credit cards is $13,500 and I am paying $308 monthly in minimum payments. A debt law firm has offered to put me on a 2 and a half years program that will get me out of my debt. While I stop making payments to my creditors, I will pay $264 x 30 ... Read More »

              Is Defense Lawyers a Reputable or Legitimate Company to Work With? – Gwynne

              Problem Solving Series

              “Dear Steve, A debt consolidation company contacted me by phone this week inquiring if I would be interested in reducing my credit card debt. I listened to what they had to say, however, I did not give them my credit card numbers or bank names as I did not know if they were legitimate or not. They gave me the ... Read More »

                My Bank Says They Won’t Work With Nationwide Debt Direct. – Bill

                time bomb

                “Dear Steve, I noticed you commented before about Nationwide Debt Direct. I had a preliminary talk with them today. They came up with a ballpark monthly payment that, they say, would pay off my grand amount if they can successfully negotiate lesser balances with the credit cards. But what worries me is that they need me to set up a ... Read More »

                  I Tried Getting My Money Back from Lloyd Ward Law Firm. Nothing Was Settled. – Carolyn

                  oops

                  “Dear Steve, I tried getting help from you, and you gave me some advice that did not help. I have been scammed by debt resolution companies ( one charged me over $600.00 a month and only applied $100.00 to my debt. Nothing was settled in over a year. I guess I don’t have a question, nothing was resolved before. Carolyn” ... Read More »

                    Nobody Can Tell Me Where My Money Went When the Johnson Law Group Went Out of Business. – Ashley

                    hiding

                    “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 »

                      Is Century Negotiations a Reliable Company? – Bonnie

                      OLYMPUS DIGITAL CAMERA

                      “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 »

                        Should I Cancel With Persels & Associates? I Could Just Cry. – Ruth

                        hug

                        “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 »

                          How Can Debt Validation of America Just Steal My Money? – Shelia

                          Big Bad Burglar

                          “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 »

                            Good Shepherd Debt Relief is Taking Our Money But Won’t Help. – Tim

                            oops

                            “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 »

                              The Law Office of Michael K. Sipes That Owns My Debt Refuses to Negotiate a Settlement. – Dave

                              closeup of a gavel on cash, from above

                              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 »

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