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Debt Settlement

Lloyd Ward & Associates Stopped Taking Money From Our Account. – Sue

confused man

“Dear Steve, I have been a client of Lloyd Ward Assoc. for a few years and am finally getting to the end of my debts. We have around $895.00 taken out of our account (personal bank) monthly to pay off our various debtors. We calculate that we will satisfy everyone by this March. This month, no monies were taken from ... Read More »

    I Negotiated Debt Settlements But Can’t Afford to Pay Them. – Steve

    credit card verification

    “Dear Steve, I recently went back to school to get my MBA – I graduated with it in 2009, but was unable to find a job in the finance industry, despite experience and the degree. I put the cost of school of credit cards and the debt spiralled out of control, and on top of additional debt I had, totaled ... Read More »

      A Credit Repair Company Said If We Settle Our Own Debt it Will be Taken Off Our Credit Report. – Anne

      "Credit rating" handwritten with white chalk on a blackboard

      “Dear Steve, My husband and I had a financial meltdown 3 years ago. had to short sale our house, I wasnt able to work for medical and child reasons. Had got in over our heads with a large mortgage then ended up with large credit card debt trying to save our home.had approx $80000 in credit card debt. We were ... Read More »

        I’m Looking at the Law Office of Robert Jacovetti to Help Eliminate My Debt. – Carolyn


        “Dear Steve, I was scammed by Lloyd Ward debt relief and m now with Freedom debt relief. Despite what the contract says, they are now asking me to pay additional funds from my personal bank acct. I called Accredited Debt Relief and they said they are affiliated with Freedom and would not consider me as a client. I have since ... Read More »

          Debt Pay Gateway Said They Could Reduce What I Owe. – Deborah

          confused man

          “Dear Steve, Just to many credit cards. Bad, bad mistake. I had a firm called Debt Pay Gateway Inc. Have you heard anything good or bad about them. They said they could reduce what I owe to probably 45%. They want to take so much money out of my checking each month. Thank you Deborah” Dear Deborah, Debt Pay Gateway ... Read More »

            DebtPro123 is Taking Our Money But Vanished. – MJO

            SONY DSC

            “Dear Steve, My husband and I got in alot of debt. What I am telling you now, I am just uncovering. My husband handled the finances and I thought he was good at it. He recently passed away so I have had to start looking into all of this”mess” that we or shall I say “I” am in now. As ... Read More »

              Is This Really Going to Be My Tax Liability When I Settle My Debt? – Joe


              “Dear Steve, I understand that there may be tax liabilities on a Debt Settlement if you’re not Insolvent at the time. I know you’re not a Tax Man, but can you help me see if my assumptions are correct? $50,000 of Debt increases to $55,000 by settlement Settle at 40% = $22,000 Forgiven Debt Income = $33,000 Wife and I ... Read More »

                Can I Settle My Debt Myself? – Harvey

                Handshake with Money Sign

                “Dear Steve, I was wondering if it’s advantageous to try and settle multiple cards at one time? The 4 cards will charge off in March (within about 20 days of each other). I will have access to some money by then. With that and a tax return, I might have enough to settle them together. Should I mention to each ... Read More »

                  My Capital One Account is Higher Now Than When I Enrolled in the Debt Settlement Program. – Maureen


                  “Dear Steve, My question is this: I am enrolled in a debt consolidation program with care one. I have already settled 2 of the 3 accounts that are part of my plan. The last one to be settled is a capital one account. I talked to care one today regarding my account and they told my that the company representing ... Read More »

                    How Do I Get My Money Back from Professional Debt Consultants, Philip DiVirglio and Henry Conerly? – Dolores


                    “Dear Steve, You may or may not remember me , I contacted you some time ago about Professional Debt Consultants, Philip DiVirglio and Henry Conerly. They collected their fees up front, lied to a number of entities in reference to a complaint I had filed with them (Fla BBB) that he had performed his services as contracted, which was just ... Read More »

                      Is World Law Direct a Scam or a Real Program? – Debra

                      Speech Bubble - Q&A

                      “Dear Steve, I keep receiving emails and phone calls from world law direct. This Sr Financial Consultant, Louis Comolli, tells me he can negotiate with my creditors and lower my payments so that I am no longer paying interest on my credit cards. He would take a payment from me each month and put the money into an escrow account ... Read More »

                        LGR Consulting Told Me I Could Get a Loan to Pay Off My Debt and Then Switched Into a Debt Settlement Program With Pinnacle Law Group. – John


                        “Dear Steve, I was contacted by a company LGR Consulting in NY. They were offering me a loan to specifically consolidate my credit card debt. For some odd reason I provided my credit card information. They did not approve they loan as I expected but did direct me to a law firm Pinnacle Law Group. They then wanted to do ... Read More »

                          Lloyd Ward Law Firm Refused to Refund Money Sent to Him. – Carolyn

                          Rejected stamp

                          “Dear Steve, Lloyd Ward law firm refused to refund money sent to him. I was with the debt resolution part of this company. They kept all monies for themselves ( except $100.00 per month to go toward settlements of about $50000.00 )I sent them about $1700.00 and received around $300.00 in refunds. I have tried to get a response from ... Read More »

                            I’m Unemployed But Using Savings to Keep Current With Credit Card Payments. – William


                            “Dear Steve, I have a total of $17,000 in Credit card debt ($3800 in Business Credit Card Debt) from 6 different cards. I am current on all my payments, however I have been unemployed for the last 7 months due to a disability and am running out of savings to cover the minimum payments. I recently have received a loan ... Read More »

                              Can You Show Me How to Settle My Sallie Mae Student Loan Debt I Cosigned For? – Alexandra

                              Student Loan Corkboard Concept

                              “Dear Steve, I am a 76 year old retired professor. I was not educated in this country and my daughter took out all her own loans for her education in the nineties. So in the last five years with out realizing what I was getting into I co-signed for an educational loans for one of my mentees to get an ... Read More »

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