Debt settlement help

you didnt pay for 5-6 months and nothing happened

mjohn516 was this a question???? "you didnt pay for 5-6 months and nothing happened"
if so then pretty much Yes, nothing major happened of course phone was ringing every day several times a day, I did not ignore those calls, sometimes I did and wasn't picking up but for most part I was talking to creditors usually telling them my story about possibilities of filling for BK since I hired BK attorney it was true, and was telling them that I'm negotiating with all my creditors settlements but I will not pay a dime until I have all on the same page because i wasn't making any sense to me to pay A, B and C creditor but X, Y and Z I was telling them I have to pay all or nobody this usually worked. At least they put me on "call back" schedule and did not call for week or so, ofcouse most of them trying to sell you crap like you have to pay by 10th of this month otherwise we cannot help you and you case goes to legal which for most part I did not believe, I guess what help me staying calm was fact that I had only 2 options either work with all of creditors to settle or if that would not work I would file for BK ch.13 I would stil keep my house, cars and all other belongings. Fortunatelly it worked for me pretty well.
So again Yes I stop paying all CC at the same time November 2008 and settled all accounts in Appril prior to that I just talk to them. I send all settlement payments in April and begining of May, most of them in as one payment but 3 largest accounts I scheduled for 3 payments my last 3 payments are scheduled for June 15th
Then I'll be cheking my credit report to make sure they are updating as "settled in full"

You could try debt settlement as an option, however that will probably hurt your credit in the long term.. If you can, pay them down. If not, consider debt settlement as a last resort.

Here's a decent article on it:

absolutedebtconsolidation.com/index.php/debt-consolidation-vs-debt-settlement/

Bdgrfan- I'm interested in contacting the settlement company you went through but legalsolutions is a legal software website. Can you double check the website and let me know if it is something different? Thank you!