can I consolidate student loans through a debt consolidation program

I read all the posts and most say that you get a better settlement if you wait till close to chargeoff, is this just with the big banks or is it true with collection agencys also. Mine went to collection at 110 days and they don???t seem willling to give an inch, is this normal for those agency?

Is ER Solutions hirring for part-time work?

Services Clear Sailing A one time purchase of older charged off receivables can produce a substantial initial cash infusion to your organization. Forward Flow Programs Keep The Cash Moving Your Way Selling debt on an ongoing basis is called a forward flow program. This valuable service brings more predictability to your cash flow and will be most effective in the long run. A forward flow sales program assures that MedCLR will be purchasing accounts from you on a regular basis, at intervals that work best for you.

I have three account with Navy all maxed out, never 30+ days but one payment behind. THey took a bunch of expenses infor and such and she told me then and there Navy would do a 12 month program on each card and payment would be 1% and rate would be 6 points lower to 8%. This would end up being $645 per month being paid out with only $235 going to principal. I stated I am working with other creditors who ARE doing 0% with me for 12 months. and she stated you can't compare apples to oranges. I said I'll have to think about it. The more I think the more I see BK7 in the works.

get back on track with my life and improve my credit...it is so bad right now i want to resort to bankruptcy i haven't even started off my life yet...i don't know what to do

who are you

I have two payday loans and live in NY. from reading the forums it seems as if these companies might be practicing illegally in my state. i currently have 500fastcash and unitedcashloans. I took out a loan for 450 with united, i've paid 300 so far, but they have my pay off listed as 750. 500fast was for 350 and just started paying them. should i be sending the letters to them and closing my account? I'm paying almost 500 every 2 weeks to both companies and i'm at a loss.

i need to know when are u gonna put my money back in my account i dont know who you are i called the number no answer left a msg.

Does anyone have a sample letter or template of the letter they sent to the BBB, FTC, and the AG's office? I am writing all my letters now but I just don't want to sound like a complete fool when I write it. ANy help is appreciated thanks!