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I need a credit card consolidation company that does not charge up-front fee's

I just posted a response to a thread, it doesn't seem to be showing up, I should be the last poster at the thread below, is anyone seeing that post? http://www.debtconsolidationcare.com/forums/showthread.php?p=691295#post691295

Got a call yesterday, from Wakefield and Associates. Interesting, in that the lady that called, was speaking to my cell phone voice mail. Almost as if she thought it was an actual person. Said this call is for XXXX. If this is not XXXX, please hang up now. A short pause.

has anyone been sued for doing debt settelment

hay this eddie carter 791753 acc people had start grainshoe my check what happy to money you people was take out of my check check do i get a refund back call xxxxxxx deleted thank;

Hello, I took out a payday loan over a year ago from MyCashNow. I have paid back the principle amount and after talking to people on here got my attorney general involved and stopped paying them interest becasue i paid the amount that i borrowed back. HOwever i have a collections account for $900 appearing on my credit report. Pay day loans are illegal in NYS. I put a cliam in to have it removed from my report but i just got a email saying its valid. Is there anything i can do?

Can a debtor (credit card Co.) come back and collect?

My Avon acc has been handed over to SRS. I want to arrange payments. How do I do it?

will i get 1099 forms for debt's that have been reduced?

i blow you all out of the water i have 14 pydy loans 13 store front and 1 internet equalling 10000 dollars! i need help badly its all coming to a head very very soon can you help me?