We have reached the point where we need to take some aggressive action regarding our out-of-control-debt. We went to lowermybills.com and have been contacted by Sizemore Law Group (a part of Progressive Debt Solutions I think). I can't find much info on them. The other company who contacted us is Freedom, but their BBB rating isn't so great. I know you rank them well, though. Do you have suggestions for us? Are any settlement companies legit? All of my research has left ,me confused. Thanks.

Myself and my new Boyfriend both just recently went through divorces. I am trying to help him consolidate his debt while working on mine. He is FAR more in debt than I. We have cut up all credit cards and are paying minimums right now trying to get caught up. They are below the credit limit now, so it makes it a little easier to control. He has a letter from the IRS trying to collect an $865 debt that is in his and his ex wife's name, but they are coming after him. She didn't work in the marriage. He also is being sued for a home improvement loan she took out in his name without him knowing.

Hello, I have a $11,000 BoA Home Loan (2nd mortgage from a foreclosed investment property) still on my credit. It is listed on my credit report as "120 days past due", and is apparently not charged off. I haven't made a payment in about 2 years (small $45 payments). I already settled large mortgage debts over the past 2 years, and this is the last one. Financial picture hasn't changed, I am a student, though, and I expect it to change eventually. Thoughts? Recommendations? Will they settle? I have heard nothing from them; they keep sending me a monthly bill. Thanks!

Have been called a number of times at work by a man name "John". Leaves threatening messages and refuses to tell anyone who he is and where he is from. Will not tell what company he is working for etc... demands money threatens to sue for an old payday loan we paid back number is 678-823-4658. Does anyone have info for this number...it's from around Atlanta somewhere. thanks jj

[COLOR=black]Well I have had luck with Galaxy Marketing and got a refund from them for $345. Both Star cash processing and Integrity Advance have told me that I am bound by the laws of the state of the lender and not FL in regards to the loan and have stated I still owe them money. I have filed complaints against both with the FTC, BBB and FL attorney general’s office. United Cash Loans has not even bothered to contact me since I sent my letters.

I get a call from a very happy guy that I may have won $300 to call back. I wait until midnight to call the number and it was capital one's collection number Are they really trying to be that sneaky? Whats worse is I have been giving small payments each month

Ok, well I bought a new car a year ago. At the time I was sick of buying used cars that were breaking down on me, so I said I'm going to buy a new car and not have to worry about all these issues. So I bought a car and probably should have either A) Gone with a much cheaper car or B) Gone with a used car again. The problem with my previous used cars was that I was buying cars that were fun to drive, but not so reliable. Anyway, here I am now trying to save money with this car payment looming over my head. I have 4 years left to pay off the remainder of this loan (around $11.5k).

pls help me /..... getting debt collection frm mcm

Can some tell me if this is in fact Capital One or a C/A? They told me they were in fact Capital One.... I've read were they aren't and will mislead that they are. The account has been charged off and now they still want the full balance with all the interest and penalty build up + the current interest rate that is accruing. They will accept a 150.00 a month pay by phone but will not budge on the buildup or interest rate.other than to get the int/rate to 0% I would have to pay the build up fees of 882.00........

Hi, I live in the state of Utah and I have 2 loans with Cashnet USA, one is $800 and one is $1000. I took these loans out over 2 years ago because I had an emergency and since my bank would not help me I really had no other option but to turn to these guys. Basically I am just stuck.