Skyward, I'm going through the same process and I was wondering how your credit report looks after everything has been paid off? My wife is worried we will not be able to get approved for a new home with the way our credit report will look. Thanks.

I am scared half to death because I haven't paid my creditors in MONTHS because I have been paying the retainer fee for the Roll Law Office to represnet me. I was just informed today that they will not be able to negotiate anything for me for another 34 months because of the low payments I have to make. I am seriously struggling with the idea of filing for bankruptcy now because I am afraid of a lawsuit since I've gotten some not so friendly letters recently. The problem is, they can't gaurantee that the creditors will agree to the settlement amount and they do have the right to sue. I should have read the fine print as well. I was under the assumption that I would be provided with an attorney if there is ever danger of a pending lawsuit. Now I'm debating the bankruptcy path just for the protection against my creditors. It really sucks since I might have to file a Chapter 13 meaning I will have to live on pretty meager means for the next couple of years. I'm stressed and haven't slept much. I really wish I was able to stay on top of my bills and pay everything on time. I guess I have no one else to blame but myself.

Turner- I have not looked at my credit report yet. I know it takes some time for it to show up. I guess I need to check it out. I will say I have been able to get a major credit card. Buying a house, well I'm just not sure. I know a lot of time when you have bad credit you might get loans but it will be at a higher interest rate.

Deffer-
I'm not sure if you have changed your plans or not,but those letters in the mail you are getting-call the Roll Office and they will have you fax them to them so they can get it stopped. Don't think though that even though you may not get mail they are not still going after you.

I will tell you though those creditors are adding interest to your accts and before 34 months is up you can expect to get sued. Plus instead of owing like $5,000.00 by that time you will owe more like $7,000.00 plus.

That is the problem there is NO PAYMENTS made to these people at all so how can one not expect to get sued by the creditors. If it was more like debt consolidation where they lower the interest and monthly payments that may be different but them not getting any money at all for 2 plus years. . NO WAY will they let that fly!!!

Also a word or warning! If you are get court papers telling you to go to court. Don't let Roll Law Office tell you not to show up like they did me. Unless you are 100% sure there has been a settlement pay off you better show yourself in court!!!! I WAS told not to go but my husband made sure I went anyway and it was a GOOD THING he made me go!!!!

USCA is the best and most upfront debt settlement company that I know of. There attorney of record has been in practice longer than most companies have been in business. And that is a good sign. To date they all my dealing with them have been good. I find that if you want results from any service company you have to be detemined to get answers, so go up the chane of command and deal with the Managers at USCA, its the best way to get things done.

JSUT PAY UR BILLS TO THE PEOPLE YOU OWE! WHY WOULD U PAY A THIRD PARTY TO HANDLE YOUR MONEY AND CHARGE YOU FOR A SETTLEMENT THAT YOU CAN DO YOUR SELF!

[kelliv]

I have used Roll Law Office for debt negotiations and they were somewhat helpful, but once of my accounts, MBNA, would not nogitate and they put judgments against me and the Roll Law office couldn't help me. I had to make payment arrangements with MBNA and still continue to make payments to Roll Law Office. I talked to an attorney in my state (SD) to see what my options where. Either make payments arrangements, pay off the credit card, or bankruptcy. Also, until Roll Law Office has their fee which when I did it was $1250.00 the creditors can continue to call - so it was 6 months before I saw anything happen. Plus everytime one of your accounts gets sold to another collection agency - you have to tell your story all over again. It's very frustrating. If I had to do it all over again I would of went to my local CCCS office and have them help me out. Oh well I learned the hard way.

What roll law office does you can do with your creditors. They stop your payments on them and then you pay them a large fee once their fee is satisfied they put money in a trust for you. When you get enough in a trust they pay a bill off. The bill willmake the same offers to you as to the law office. I have accounts with the law office and yes they show you their good history but now that I'm over 1/2 paid off and ready to sttle my 3erd of 4 acounts they want another $2500. or really US consumer avi wants the $2500. Roll trasfered all my accounts 100% to them a few months ago. They say its an extra 15% fee for the money they have saved me. I'm getting the same offeres from the same bills and they are going to charge me $2500 for exsepting them (each bill left) after I paid them $3000 to begin with to settle my accounts. I'm not happy I'm going to pay them almost as much as my creditors.

I was a client of Roll Law Office. They took over $4000 of my money, and got me sued 3 times.. I would stay away from them..