Can a debt collector make a hard inquiry?

So, the thing is like it is. Can you advice me of some decent payday loans agencies? I mean, the ones who wouldn't break my legs if i skip the pay day for a second.

Is it possible anyway to opt for settlement and avoid paying tax due to the less amount?

How much do I have to save for a debt management plan?

Unfortunately, I made the terrible mistake of taking out an online emergency loan of $2200 with QCredit this past November and have already paid $3190 towards the loan. I currently reside in Arizona and am trying to pay it off early, but the last lump payment of $1000 barely dropped the payoff balance to $1860. I am thinking about making another lump sum payment, but I am afraid that hardly any of it will go to the principal and at this rate, it is nearly impossible to pay it off early. Has anyone else run into the same issue? Or any advice at all would greatly be appreciated.

Does Pay for Delete option actually work? Will the creditor be convinced to do that?

I took education loan to complete my degree due to family conditions. Now I am doing a job but don't that much that I can repay my loan. I know some about debt settlement. Please tell me about any debt settlement program in New York who can help me with repaying my debt and I will pay that loan later on. I have heard that some companies are spam, so please guide as I don't know much about it. Thank you in advance.

Will it help to get a lower interest rate if we combine our finances. My husband's score is better than mine. I want to take out an auto loan in my name

One of my friends has suggested to take help of a law firm to consolidate and settle debts. But, will I have to pay more if I take help from them instead of a settlement company?

I know that soft inquiries don;t affect credit scores. but, I don't have any negative listing on my credit report. However, my score has fallen a bit. What can be the reason?