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Hi everyone I saw this news on this site and would love to share with you guys. I'm not sure if this is gonna help us or not. http://www.marketwatch.com/news/story/Credit-crunch-may-only-have/story.aspx?guid={4F0DA616-A789-49A7-9EFE-A65C5A0986F9

Hello, If a creditor harasses, demeans, or lies to you in order to collect a debt, they are breaking the law. It requires the injured party to file charges, or at least a complaint with the proper authorities. The FTC is a great place to start, but also you should go to your state Attorney General's office. This is the case of Topco Financial Services. Due to a lot of consumer complaints, the state of Washington Attorney General's office filed a formal lawsuit against them. http ://blog.

What are the best steps in getting myself outta debt? I have only about 2400 in debt but i dont want it to get outta control and next thing you know im 10k 20k in debt. Should i just pay this off rite now? Cause in the long run i do want to buy a house and stuff. So what are the best steps into avoiding this? Should i just keep paying monthly? Any advice would be awesome Thanks!!!

Hi - Brand new to this site, but looking for help and advice on what I should do. Have 5-6 credit cards with approx $50,000 balance on them. Average interest is ~13%. Still have a decent credit score so dont want to hurt that if possible, but the balance has grown large enough that its getting difficult to keep up payments. I have read a lot about Debt Consolidation and Debt Settlement, but dont have any experience with them. Can anyone please give me some ideas for how to start to get out of debt?

A reliable source in the settlement industry told me the other day that as of February 1, 2009, any settlement deals made must be paid within a 3 month time frame. Does anyone know if there is any validity to this statement? I was really hoping to make some of my biggest settlements with a 6 month payment option (or longer).

Im 89k in credit card debt and married and self emplyed and was wondering does my wifes income affect my chances of getting low payments on a chap 13 payment plan im NJ also Thanks

Hi I have an account on my credit report for Portfolio Recovery Assoc. for a credit card from Providian. I have not been contacted about this debt in over 3 years. I do owe it, but want to settle it and get it over with. It says I owe 13,000. I was thinking about calling them and asking what would they take, then getting them to send me it in writing so i could send a cashiers check. Is this a good idea?

I am 16000 in debt to AMEX. I've made every attempt to pay this off. I used my credit card to Pay the IRS. Thought I would be able to pay it off but my income took a plunge do to the econmy and I have not been able to caught up. I was making pymts to them at a reduced amount but they have now asked an Attorney to bring judgement against me. I owe many and want to avoid filing bankruptcy. I work in a profesion if I file I would never be able to get another job. I am a Self employed contractor. Help! They offered me a 11000 settlement.

I am in real trouble and I just don't know what to do. I owe AMEX 16000 plus dollars and now they want me to pay them all the funds at a reduced rate or take me to court and garnish my wages and or put a lein on my home. Last summer they allowed me to pay a small montlhy payment to them..but that agreement was ended when I was late with my payment. I am this much in debt due to the fact I used my cc to pay off the Irs. I know owe the IRS again. I am self employed. I have no reserved funds. I earn a decent living but it all goes out for bills.

I don't know the full names...I'm going by what my credit report says.... 1. Creditsol 2. Nco Fin/22 3. Jeffersncp 4. Ascent li 5. Continfin Thanks....