Debt Settlement vs Credit Counseling ???

If you call the number at the right of the screen, you are entitled to a free no obligation consultation. They will be able to guide you in the correct direction for your specific needs.

Hello grlnew and welcome to the forum! If I were you I would take advantage of that free consultation as Kashzan suggested. I can tell you a little about my experience with a CCCS (Consumer credit counseling Service). I was fortunate enough to find one which was non-profit. I can't say enough about how much they helped me, it was a very good and successful experience for me, but that was quite a number of years ago. Good luck!

I would get the free consultation too. It's worth it but don't give up hope. We had been told that we should file bankruptcy. Instead, we are in a settlement program. It may not be for everyone but I am glad we did it. It saved us from bankruptcy.

I called the.. but it goes to the Oak View Law Group.. is that another debt settlement company???

lisawilliamson

What debt settlement company did you use? How long have you used them and how is it working.. ? Thanks

We have been using Sifxpert and I have sung his praises enough that I have been accused of working for him. I swear I do not.

We started the program in September or October of last year and will be done soon.

I would recommend him. Just make sure, if you don't use him, that you do use someone who does NOT use your first few months' money for fees; you have to have that for settling. Also, make sure their fee structure is fair. Also, don't use anyone that pressures you to sign up with them.

Keep reading things on here and you'll get a feel for what you should look for yourself. This site is a great resource.

Whatever you decide to do make sure you do your research on the company. I personally feel that every situation is different and what might work for one person, does not always work for another.

I went with a debt settlement company and for me it did not work. The company did not do anything for me and I ended up in court with two of my credit cards. This forced me into finally realizing that no one can help me better than myself. So I ended up calling the companies myself and settling the matters out of court myself.

Good luck and let us know how things work out.

spatterson_40

What company did you use.. did they just not work out for you? What creditors did not want to settle.. and decided to sue you instead.. i hear postives on both.. i have done some research.. and i am thinking of working with debt regret.. has anyone worked with the Oak View Law group that this site suggests? Thanks for all your help..

lisaawilliamson

I did some checking on Sifxpert and the bbb doesn't look good.. but you had a good experiences? Were they able to settle all your debts? What about the tax consequences? Did it hurt you when you filed your taxes?

Thanks everyone for all your advise!!