Question: Dear Steve, I noticed Golden Financial Services is pushing their “Debt Validation” as a way to save more money compare to debt settlement with various internet marketing. I did more research and found they use a company called Actify Solutions for this debt validation. By reading through the BBB complaints of Actify Solutions, I …
Question: Dear Steve, Joined Actify Solutions in September 2017 in response to more than 20K in credit card debt. I was almost 30K in total credit card debt in 2017. My debts were coming due and to delay filing for bankruptcy I joined their service. I paid about $267 per month for 12 months during …
Question: Dear Steve, Two yrs. ago, I received a mortgage refinance solicitation, got approved but turned down the offer due to the high-interest rate. At that time, my credit score was 788. The Broker then referred me National Accounts who can settle w/ my creditors to lower my monthly payments. I never missed any of …
Question: Dear Steve, I have $21,000 in credit card debt with high interest and I can only pay minimums. I was laid off from a job of 6 years in August. I was given severance pay until the end of Oct and started a new job Nov. 1st. I make about $10,000/year less now. My …
Question: Dear Steve, I’m in debt with credit card,and I was notified by Actify Credit Solutions, they want to repair my credit, should I trust this company? I’ve tried talking to the credit card companies to lower my payment, by reducing my interest rate but they won’t do it. Should I go ahead with this …
A kind reader forwarded me a client agreement from a company called Prime Solutions. I thought this was just another client agreement but two things happened. The first was I did some quick math on how much the purported credit repair services were costing. The second was I reached out to Prime Solutions and got …
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Question: Dear Steve, My husband and I have about $18,000 in credit card debt and unsecured debt. We got into trouble after my husband had a stroke in 2014. I had to close down his trucking business. I was able to pay off most of that debt, but got behind on our personal debt. I …