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I’m Thinking of Using Lloyd Ward & Associates for Debt Settlement. – Sid

“Dear Steve, I am using the services of Llyod Ward & assocate to negotiate a deal with me creditors on my behalf. They operate under the name best debt option company. How reliable are they. They have offered me a four year time frame and promised me to settle the debt with Chase Bank of … Read more

I Was Just About to Sign a Debt Settlement Contract With Lloyd Ward & Associates. – Paula

“Dear Steve, Just found your site in the nick of time as I was about to sign a debt settlement contract with Lloyd Ward and Associates. My husband and I are self employed and our businesses had a hard time since 2005, but then bit the dust in 2009. We went from staying current with … Read more

My Nephew Is $62,000 In Outstanding Debt, How Can We Help Him – Teresa

“Dear Steve, My nephew is 62,000 in outstanding debt all which are not in collections. We have contacted a lawyer that says he will get the amount down about 40% and then we pay them about $8000 over a period of 11 months. They want my nephew to sign something before we really know the … Read more

I Signed Up With a Debt Settlement Company But I’m Afraid to Quit. – Frank

Frank “Hello Steve, I have about 27K in credit card debt, 6 cards total. I am late on most of them, but they haven’t been charged off. One card though recently was removed from my profile where I can no longer make payments on the bank website. I make enough to participate in a DMP, … Read more