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Debt Settlement

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 »

    Lloyd Ward & Associates Said They Settled Account But My Creditors Say No. – Diana

    Lloyd Ward & Associates BBB F Rating

    “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 »

      I’m With World Law and Getting Sued by Creditors. – Larry

      closeup of a gavel on cash, from above

      “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 »

        United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

        surprise

        “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” Dear Karen, I didn’t even make it past the first ... Read More »

          I Want to Charge Dominic DeSandro of Freedom Financial With Theft. – Phil

          White Collar Criminal

          “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 »

            Can I Negotiate With My Own Creditors to Settle My Debt? – Lesley

            Attractive red-haired female reading a manual before do-it-yours

            “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 »

              I Can’t Get Any Information About Consult America. – Alfred

              debt

              “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 »

                I Worked With Enlightened Debt Solutions and Johnson Law Group but Need Proof. – Merrill

                Woman in safari hat looking through binoculars

                “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” Dear Merrill, Do you have any idea if your account was ever settled? ... Read More »

                  I Am So Frustrated With Oak View Law Group. – Mara

                  get out of debt

                  “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 »

                    How Can I Get Morgan Drexen to Delay My Payment? – Ursula

                    flying girl

                    “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 »

                      Navy Federal Credit Union is Abusing Me. – Maurice

                      terrifying man

                      “Dear Steve, 15,631.60 unsecured loan with navy federal. I offered them 7000.00 to settle but havent heard anything back. what can I do to get them to settle? $7000 is all I have and Im willing to give them every penny. the interest rate is 16%. and I have been paying on the loan since 2007 it was intially 17,000. ... Read More »

                        Can I Take Action Against Coastal Debt Solutions? – Renee

                        angry woman

                        “Dear Steve, Problem with Coastal Debt Solutions in Florida when I signed up for their debt solutions program in April, 2010. I paid this firm $3200.00 plus over a 9 month period so I could get a Discover card debt (starting at $7700.00 some). However, due to Discover suing me in December for the then owed sum of $8,800. some, ... Read More »

                          I Entered a Debt Settlement Program With Consumer Law Associates. Chase Won’t Settle. – Mojo

                          doctor-xray

                          “Dear Jared, I made a mistake plain and simple by listening to a debt settlement company (Consumer Law Associates). In 2010 they told me they could settle my credit cards including Chase. To their credit they settled 3 out of the 4 (Chase being the only one left). But from what I am seeing online it does not look like ... Read More »

                            What’s the Best Way to Settle My Own Debt With Capital One & Discover? – Pablo

                            Handshake with Money Sign

                            “Dear Mchael, I wrote you earlier. You advised me well that I might want to try and settle with my creditors myself before going into bankruptcy proceedings. My current status is I am waiting to hear from my creditors. I also, as you suggested, followed up with Halo Debt Solutions. They said if I could discharge them in chapter 7, ... Read More »

                              Scammers are Sending Me Debt Settlement Mailers. – Maria

                              stressed woman

                              “Dear Steve, I live in Texas and I am currently in debt of about 20K with two credit cards. My husband doesn’t know about my debt. I need advice regarding consolidation. I’ve been getting letters (at my mothers house, whose address I’ve never used for anything) saying they are reps of the govt and can cut my debt in half ... Read More »

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