Do have a company you used for debt settlement and recommend?

Have a question about US Bank business cards tied to our US Bank personal accounts - we have successfully negotiated settlements on four credit cards so far (another story), but these business cards are a weird one. Apparently in the fine print on the card agreement they can take funds directly from our accounts after 90 days late or something like that. We intend to close our accounts with them just so we can pressure them into some sort of a settlement. Not sure if we even can do that, per the fine print, etc.

I was wondering how feasible it is to consolidate my debts into one payment. I am a firm believer of paying all my debts and would like to obtain a lower monthly payment- as well as just one payment per month. Now that I am in Canada I have many people tell me to just stop paying because creditors will not follow me abroad for under $20000($8200 in credit card and about 11,000 in student loans) but I really want to meet my responsibilities and get a manageable payment. Would greatly appreciate any advice or information on the matter.

Just got a letter from my Lowes card. Card had a balance of 3400 to start with I have paid over 1400 off in last 5 months. Letter stated that due to the recent change in credit card laws beginning Feb. 1st they would no longer honor no payments or interest programs before this date. Then added 845.00 interest fees to my account. WTH!!!! This is robbery and this is not the only one of my accounts this has been done too. Thought the new laws were supposed to help stop this LOL.

So here's the deal, last April I took a $500 payday loan from Integrity Advance and never paid it back. I was in a real bind then and simply never responded. (I live in Delaware).. So they are calling now (Integrity Financial Services or something) and I want to try to resolve it to a fair degree.. I know the last 'settlement' they offered last year was $700 or 2 payments of $500.. How should I go about trying to get them to settle for the fairest price?

I am not sure if I would qualify for this or not. All the accounts that I need help with are charged off and sold. Is it too late to do a consolidation now? I have arrangements with most of them, but one is being really difficut to deal with. If it is still possible to do a debt consolidation program, could anyone recommend a good company to contact?

Good Morning......I live in the State of Ohio and have 4 payday loans and they are as follows: Check n go (2 loans) owe: 756 on first loan 625 on second loan Advance America owe: 1190 Payday One owe: 1100 I am paying so much interest on these loans and really am in trouble (again). I need advise on what to do because I totally have learned my lesson this time with payday loans. Not sure how to get out of the cycle so I welcome any advice or suggestions on how to go about it. Thank you for your time.:confused:

has anyone ever had any dealings with CHECK AND CREDIT SERVICES LLC? they have an account from 2007 where i had a payday loan and are just now calling and making threats of fraud, a visit from the county sherriff, internet fraud and so on. Investigator Rose called and left a message stating that she was filing papers in my county and gave a "case number" to go with it. At first I was scared and was just before paying it and then I spoke with an attorney and was advised of my rights.

we are having a difficult time settling on a credit card. we want a lump sum settlement. we are two months in default..will they eventually settle? American expres is also resistant. any advice?

I have defaulted on a business credit card which is personally guaranteed. So, I am very much expecting the creditor to come after me for the amount. However, I am trying to figure out what the worse that can happen regarding this. My home value has slumped and now worth less than half of its initial value. Even if the lender wins a judgment against me and puts a lien against my property they can't actually get anything out of it. So, I was just wondering if I can let that happen and do nothing about the debt. By the way, the debt volume is close to $100k. Any insight would be helpful.