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I’ve Already Been Sued by a Debt Buyer. Would It Make Sense to File Bankruptcy? – Joshua

“Dear Michael, When I was in college, I couldn’t find a job in the summer of 2008. I was unable to make any of the payments on my credit cards and my auto loan. I buried my head in the sand and ignored everything. The car got repossessed and the collection calls started with the … Read more

I Was Building a New House But the Bank Won’t Give Us What it Appraised For So I Put the Rest on My Credit Cards. – John

“Dear Damon, Was building a new house.. Went to close on long term loan.. The bank would not give us what it was appraised for. I had to you all saving to not lose the house.. I put the rest on credit cards. I could not keep up with card and all other expenses. I … Read more

Our Constructions Business is Failing. Is Debt Settlement a Scam? – Sherry

“Dear Damon, We had a good construction business for many years. The last couple of years we had a few contractors who did not pay us. We have gone into debt trying to stay in business and care for our family who has experianced an inordinate amount of personal tragedy this last year. We still … Read more

How Do I Get My Money Back From Legal Helpers Debt Resolution? LHDR Will Not Return Our Calls. – Tiffany

“Dear Damon, We currently are in a debt program with LHDR whom from your website I see have a class action suit against them….which doesn’t surprise me. They will not return our calls or our creditors whom they are suppose to be negotiating with calls. They have taken $6500 from us and have done nothing … Read more

After 14 Months With the Lloyd Ward Debt Settlement Program the Balances Have Only Grown. – Eli

My parents are retired, and my mom has allot of debt. Too much debt for my dad to pay for, because he’s living on social security. They own a home outright though. They live in Greece now, and I’m living in there house, because my life isn’t much better. I feel resposible for recommending lloyd … Read more

I Am a Client of Lifeguard Financial And Most of My Unemployment Check Goes to Pay Them. – Galen

“Dear Damon, I am a client of Lifeguard Financial, started in January 16, 2009. The period of which debts were to be is a 36 month program. Total debt involved $28,382.00. Activation fee $4,257.30, maintenance fee is $49.00 per month. Each month the amount of $483.00 is withdrawn from my checking account. Back in December … Read more

Johnson Law Group in Florida Took My Money But Did Nothing. How Do I Get My Money Back? – Laura

“Dear Steve, What Johnson Law Group did to Patrick and Danny, they have done to me. It’s the one in FL. I just closed my checking account so that can’t debit anymore. I’ve given them over $4k in 2 years and they’ve kept over $2k for themselves as fees, $2k is in a trust, but … Read more

Should I Go With The Oliver Law Group for Debt Help? – Shirley

“Dear Damon, Cannot pay credit cards I’m determining if I should go with The Oliver Law Group, P.A. Can’t find very much info on them. Shirley” Hello Shirley, The decision about who to hire for assistance to resolve a debt issue, is based on much more than just the company itself. We first need to … Read more

My Debt Relief Company Did Nothing But Get Me Sued and Lower My Credit Score. – John

“Dear Michael, had 730 credit score 1 year ago now about 550 now being sued considering chapter 7 as only option 1. How do I know whether or not my settlement company fulfilled their contractual obligations to me or not? – They said they offered settlements to my cc companies that were refused. Based upon … Read more