General question is anyone can help ... As I understand it, if your credit score is currently very good (like mine is and that seems to be unfortunate!) ... settling AFTER 90 days is much worse for the FICO (assuming that a High FICO is still truly the holy grail that it once was ... but I'll leave that for separate discussion). Is that really true? And I ask because I've been trying to negotiate a settlement with Amex for 50% max lump sum ... and they won't budge off 75% ... even at 85 days. Do you think they're waiting to see if let it go past 90?

I borrowed 200 from Debt Doctors they have been taking 60 out every two weeks for about 8 months then took 260 which should have paid off the debt but they are still taking money out no contact information on them and when you call a number the office seems to be closed. What can I do to stop these people?

Hey everybody!...Does any one have a mailing address for Fincial Recovery Services? I rec'd a letter and need to send them a DV back..All I have is their PO Box of 385908 in MN. (It is for a charged off Discover ...) Anybody have any advice/experience with them?..Thanks for the help!...

Hi, I received a letter from Hunt & Henriques in San Jose and based on this e-mail thread, it appears they are a collections agency. We defaulted on our house and have no money to pay, so I am not sure why were are getting this letter. The tone of the letter is very threatening as they are "demanding a full payment of $46K" and are stating that if we don't pay, they will move forward with legal proceeding. It states that Citibank engaged them on this matter. Are these people for real? Will they really move to legal proceedings? Any feedback and advise would be greatly appreciated.

i owe back taxes,dental,medical,& pay on avg.25% interest on credit card debt $11,000 worth my bills are more than i bring home.i need a consolidation loan bank .i have good credit still 710 or a debt consolidation company i can trust thank you. bob

I still have good credit with low interest on my credit cards but my credits card balance is vary high. What would be the best?

I am trying to settle with Amex before 90 days overdue (in six days), an unsecured debt that Amex are trying to stick to me personally since I was involved in a small business that was forced to close in Illinois during the banking collapse at the end of 2008. This is actually a liability assumed by another biz that purchased my biz's assets a year and a half ago, but that business went bust with upside down collateralized bank debts and stopped paying the Amex liability. So I have a $30K bad biz corporate debt to resolve ...

pls help me that how to recorde the phone calls in MC. or any software for recording phone calls.....

On June 15th I borrowed $50.00 from a friend to pay on a payday loan, I was threatened with jail time so I paid them something to get them off my back. Well a month later the company used my friends debit card and charged $300.00 without his permission, when he called them they told him I owed them money for 3 bad checks, he told them to put that money back in his account, he does not owe that money and not his problem. Can he sue that company? The company is an unknown company, on his bank statement it said atlas mediation, well I could not find anything on them.

I have sent Midland Credit Mgt debt validation requests, received the return receipts and then had requests from Midland for me to provide all the information I had about the account. What?!!! Despite offering zero evidence of the validity of the debt they continue to send dun letters and to report to the credit bureaus. What can I do?