Hello friends, I don't know how many of you are aware of the budgeting tool introduced by Debtcc (http://www.debtconsolidationcare.com/personal-budgeting/ ) but I happen to stumble upon it following the link posted by Jason. I tried it out of inquisitiveness and am pretty impressed with the outcome (I admit of little initial difficulties, but the experience was fine overall). On the final stage I got a report of my month's budget. Nice to see the positive result on the paper at least.

If I settle with a Collection Agency for a certain amount, say $700 on a $1000 balance with the condition that it is deleted from my credit report. Is the original creditor also deleted form my credit report or what would it show? Thanks in advance for any help

Yesterday I reached a tentative dollar amount settlement with Client Services Inc to submit a below blanket request to Citibank. Today end of day I get a call from Client Services stating the bank pulled the account back because most likely they had completed the legal investigation and she needed a $50 payment to show activity so they could pull the account back and that Citi probably didn't know that we were working on a settlement. I only had $10 in my account and I said that I would have to try to put some money in my account so I could make the payment and would call back.

I'm seeking advice on how to deal with MRS associates collections after trying to settle with them. My car was repossessed last June by Toyota. They sold the account to MRS. Now MRS and I have been back and forth on the phone. Them trying to get over 8k out of me which of course I don't have. I offered to settle for 1k because that is all I have. They basically laughed in my face. They said they would settle for 5k. I don't have that much and don't know anyone that has that much. Therefore I can't pay that much. Now im just sick and tired of talking with them and getting no where.

I have four payday loans out. How can I fix this situation that I'm in?

Nope, none of them are licensed to lend in your state, or any state for that matter. Do you realize that unlicensed lenders aren't likely to negotiate with a debt consolidation company, and even if they do you will end up paying back more than you are legally obligated to do so! Also, these lenders will STILL call and harass you, whether you are with a consolidation company or not! They are nothing more than criminals and can NOT be trusted! You need to ditch the consolidation company and go this on your own, in the long run it will end up costing you a lot less!

I just got a new phone for my son today and the first call he got was from a random number. I did my research and found out it was from Allied Interstates. I also found out they've been causing alot of trouble. Everytime he'd answer they'd just hang up. He doesn't even have a credit card and they're calling him? Anyone have a solution?

A lien was placed on my home for a debt that isn't mine. It went to court without my knowledge and a judge actually court ordered it. There is no way they could have proved it was my debt as I never even had a Discover card (maybe picked me due to common name??). I have been trying for the last 3 days to get some answers but can't seem to get to the right person to help me. Any suggestions??

CITI BANK sue me & when i called their lawyer's office AGAIN - they will not willing to settle lower than $8k. & this lady told me that you can set up a repayment plan but it will be the actual balance which is $11k + the interest, + atty's fees, court fees. & what really confused me is that she said " down the road if you have enough money to settle you can call us back but for now you can make monthly payments " is that possible? because they will not willing to settle lower than $8k, and are they going to drop the case against me? are they going to keep my account on their office?

Please help me understanding this letter: This is from GC services Collection ( We owed usaa credit card for about $14k ) In an effort to assist you in resolving your account, our client authrorized us to offer you the opportunity to settle your account, this means instead of paying the full balance due on your account, you can pay 40% of the total amount due and the above mentioned client will consider this account settled. If you wish to take advantage of this offer, contact our office or mail your remittance, in the form of cashier's check or money order, in the amount of $5,359.78.