I have a friend who has about 10,000 dollars of credit card debt. He is behind 1.5 months, and has never been late in the past. I called the credit card companys to negotiate, and found it near impossible compared to a few years back. They would not budge on the apr or fees, but would reduce the monthly payment for three months which would not make any sense if he was still incurring the same fees. His work hours where cut back, and if he lets this go any longer it will turn into a nightmare. Whats your opinion on Debt Settlement. Thanks in advance, Michael

should i request debt validation or debt verification?

Ace Cash Services - PDL loan Center - National Opportunities Unlimited ??? Nationwide Cash ???

if i get approved for a debt consolidation loan to consolidate credit card debt, will my credit card accounts be closed? i'm looking to pay down some of my credit card debt and to also keep at least one credit card account OPEN so i can continue to use it. is that possible?

Should, I worry? this was sent to me after the letter I sent to them.. They of course are still contacting me on my cell.

My wife took out credit cards in my name without my knowledge and now she has recently passed and I am faced with all this debt....what can I do?

Thanks for your help

I want to try and settle a debt with a collection agency. I am writing them a letter to try and negotiate a settlement. How much should I start out with? I've read elsewhere that you should start out negotiating 25% of what is owed. Any suggestions here?

I live in ohio. i have payday loans with payday one, cashnet usa, think cash(first bak of delaware). are these legit? how can i consolidate them?

I have a 9000 balance on my target card i was on a paymt plan and couldnt keep it. i talked to someone again and they put me on a new plan, i made a couple more pymts and then they said my plan was not accepted. They now have sent me to a law office ca. I dont have a lump sum, and there pymt plan is to high should i just send them what i can? i dont know what to do. I dont want to get sued!!