thanks sunnymay.I have learned alot also from this site and I went to site you suggested too and learned alot there also. I learned more re: levy's and if you want to read about it it is under debt consolidation etc..says levy in the subject anyway my husband and I are in alot of credit card debt and we are settling on our own. I don't want to use a company because the fees would end up costing us over $20,000 in the end. Alot of money to be wasted.We just started being late on our pymts and got our 1st call from one of the creditors offered a settlement of 50% over 3 months I put a counteroffer in to put pymts over 5 months. Have you ever put in a counteroffer? and how far along are you with doing this?beginning?middle?

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oops..forgot to log in so now it looks like guest the above msg is mine sunnymay

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