Federated Financial....

They are Coleman Law office. I know someone using them. I have not heard anything negative from him. You must be having the phone number in the email sent. If you like to call first, check your inbox.

I got the email, but it only had the name and said they were with the BBB. I searched on google and got the number, but they were closed..

Maybe they have winded off today. You will hear from them tomorrow.

Ok, thanks... Do you think it would be advisable for me to sign up with a dmp. I only have like $3000.00 more to go and I will be debt free. All of my accts, I am currently paying pmts and have it going good.

Hi natdust, I will give you my opinion.

First see if you can manage with the payments on your own. Your credit gives the best scores when you do the payments in full and in every month. Scores go down if you roll the payments every month or by paying just the minimums.

It goes further down if you can't pay and are in default. Then you hire a consolidation company to do the payments for you. This is good when you were unable to pay because of high interest rates and fees. After the accounts are paid, credit scores go up.

In this situation, if you leave your account in default and it goes to charged off, the credit score is gone to the gutter because of all the negatives in your file. Needless to say, a collection entry or a judgment will make the situation worse and possibilities of legal actions will come up. You have to understand where you are and make the decision accordingly.

I have 2 chargeoffs, one that will be PIF next month. I also have a couple of CA's on there too.

You can always improve from the present state. Consolidation helps at this point. Do any kinds of repair until you see this account in your credit report. Negatives stay for seven years under the FCRA laws.