how do I get a good referral to a debt settlement company?

What is the best business to use for debt settlement?

I recently inquired about refinancing or taking out a home equity loan so that I can settle out my debts. Unfortunately, because I'm about 4 months behind with my creditors my credit score has taken a hit and now I cannot qualify for either of these. I owe about $70K in combined, unsecured credit card debt, yet my job does not pay me a fortune that allows me to settle. I don't know where else to get the money. It'll take me an eternity to pay this debt off, even if I settled on only half of it. I don't want to be forced to use a debt settlement company either.

Hello, the State Franchise has a Lien against my moms house, due to back pay Taxes. She is unable to pay the full amount...will she have interest increase by this lien? or will the amount due stay as is without interest increase?

does debt consolidation affects any immigration matters such as sponsoring your spouse etc?

My daughter defaulted on her student loan. I am a cosigner on the loan. MRS wants to "strike a deal" that will cut $10,000 off of the loan repayment but only if I send full amount. Either way they say "their client" will only accept full payment, of which I do not have, or they will proceed against me. I am certainly able to make payments, but I can not get a loan for that amount as MRS is on my credit report and that is the reason I can't get a loan. It is a catch 22. Can anyone help, please?

Looking for advice.. payday payments eating around $700 per 15 days To start with I must thank all members for some real great posts and it gives kind of relief to know that I am not the only one in this situation. So here is the situation... I had taken couple of payday loans after coming to US around a year back to meet some sudden financial crisis. At the time of repayment I took another payday loans to close the previous ones and then few more to close those ones. Now.. I am ending up paying around $700+ every 15 days towards these payday loans and none of them are getting closed soon.

okay. Let me tell you guys the full story and get your advice. Here is the story. it may be a little long. I got a letter from a collection debt attorney. My daycare owner is claiming $520. It does not itemize the amount by the way, but I think it includes the entire late fee which I do not agree.(contract says ($40 per month)) Anyway, Here is what happened. March 1, 2010. I called the daycare center and told the owner we are planning to stop sending my daughter to daycare due to my wife???s labor. I asked him if we owe him anything. He said ???No???. He will take care of everything.

I thought I posted this yesterday but I guess not. I just wanted to give someon ehope and share my update progress. Eastside Lenders conceitd to the error on their part or should I say they got busted.

Hi i have been trying really hard to get our debt situation on hand and sort out our debt. But it only becomes more. I am not interested on going under debt review. how would you recommend i go about it.