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Debt Settlement

Did I Just Get Screwed By The Achievable and Campos Chartered Law Firm? – Jan

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“Dear Steve, I went thru “the achievable” whom set everything up with campos chartered law firm. They have refunded 25% of what i payed them to get me out of debt. I now have paid out more than the original debt. is there any way that i can claim the loss to off set they amount that i was able ... Read More »

    Stopped Making Payments. In Debt Settlement With Option One Financial Group. – Charlie

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    “Dear Steve, I have stopped making payments on my cards about 6 months ago due to fact I just did not have the money to keep up with payments…joined Option One Financial Group for help and signed up for a program with them whereas they would contact my creditors and negotiate a settlement with each one…was instructed to make a ... Read More »

      Debt Settlement or Debt Negotiation, What’s the Difference? – Carrie

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      “Dear Steve, Hi. My husband and I just got married in October 2009. Our financial life together has been anything but a fairytale. I graduated from law school in May but have not yet passed the bar exam and have not been able to find employment in the legal field. I just started working at a new job in the ... Read More »

        We Went With a Debt Repayment Company and I’m Freaking Out. – Heinz

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        “Dear Steve, We have a debt problem and don’t know how to solve it??? We had some debt and went with a debt payment company to get it reduced and pay it off in 36 months.The recession hit and we lost our jobs, and things got really tight. We have 10 months left to repay it and we have taken ... Read More »

          Credit Counseling Can Only Reduce Our Payment a Little. – Andy

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          “Dear Steve, We went through a rough period when our second child was born and built up some credit card debt. We had been able to coast along with overtime, etc but things have now come to a head. We are a little late on all our credit cards and just staying afloat. I have spoken to a credit counselor ... Read More »

            We Are Working With a Debt Settlement Company But Got Sued Anyway. – Krista

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            “Dear Steve, We have accumilated $24k in credit card debt and turned it over to a credit card consolidation company. After a few months of trying to pay more than we could afford, found that they weren’t really doing anything. We settled a few on our own, but times got rough and again we found ourselves incurring penalties and that ... Read More »

              I’m a Client of Debt Shield and Getting Sued By Chase Bank

              “Dear Steve, I recieved a court summons from Chase and am working with debt sheild….it is supposed to be a 3 yr program. my concern is i’m already being sued. there is not enough money to try and settle with chase yet meaning it will go to court and i have no money for an attorney. i’m worried the judge ... Read More »

                Bank of America Gave Me a Settlement Amount But They Keep Changing It. – Rob

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                “Dear Steve, I talked with Bank of America Credit card, they gave me a settlement amount, it was too much for me to pay immediately on the phone as requested. I sent them a check for the amount with a letter stating it was for the agreed amount for settlement etc. They cashed the check but never settled the amount ... Read More »

                  We Signed Up With ClearOne Advantage And Now Getting Sued by Navy Federal Credit Union. – Fran

                  “Dear Steve, We have signed up with a debt consolidation company Clear One Advantage a year ago we are in debt 100k. What does it mean to be sued by a Navy Federal Credit Union. Can they take our house, cars assets? How should we handle this mess. Should the debt consolidation company step in? Fran”   Dear Fran, ClearOne ... Read More »

                    Sorry We Went With Debt Management – Amber

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                    “Dear Steve, About 6 months ago, my husband and I decided to go with a debt management company to help with the relief of our credit card debt. It’s been a bigger mess than I ever thought it would be. There have been no payments made to any of my credit card companys because apparently the debt management program waits ... Read More »

                      Novadebt, Garden State Consumer Credit Counseling, Taking Over My Allegro Law Debt. – Anna

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                      “Dear Steve, I signed up with Allegro Law earlier in the year. I have been following the comments and I am in the same boat obviously as everyone else. I have stopped sending payments to Allegro because they haven’t paid any of my creditors. Yesterday, a rep from Allegro called and left a message saying that have not received payments ... Read More »

                        Will My Credit Report Ever Get Updated From the Hess Kennedy Debt Settlement Mess? – Josh

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                        “Dear Steve, So 5 years ago we hired Hess Kennedy, as you know, nothing was done. Now there appears to be a settlement, but our credit report is not updated and never has been. What do I do? The website for the receiver is now shut down. Also, am I going to get my settlement from them? Josh”   Dear ... Read More »

                          I Am a College Grad With Debt and Working With Debt RX. Should I? – Luke

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                          “Dear Steve, I am a college grad, with 3 credit cards totalling around $18,000 of debt. I enrolled with Debt RX in March/April of 2009 and have still not settled with any of the cards. They have been good about answering my phone calls and responding to emails, but don’t know if this usually takes this long. I am still ... Read More »

                            I’m a Lawyer and Drowning in Debt. – Paula

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                            “Dear Steve, I have approximately $50k in credit card debt. My interest rates and limits have recently skyrocketed and I cannot make the minimum payments. Although I am current on all bills (this will last for about 1-2 more months), as my savings have been depleted. Right before graduating from law school in 2008 I was laid off from a ... Read More »

                              So What About Jesse Neisen and, Should I Go With Him? – Mary

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                              “Dear Steve, I have $83K in credit card debt and I am current with payments and have not had a late payment in many years. Regardless of my payment history, my card issuers have all significantly raised the interest rates which is making it difficult to make my payment. I have been communicating with Jesse Neisen ( regarding entering a ... Read More »

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