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I'm hoping to settle several credit card debts over the next 3-4 months. I've been told that the debt, once settled will say "settled" on my credit report. Obviously that is code to creditors that I did not pay in full, which negatively affect my credit report. In the settlement process is there a way to negotiate some other note on the account instead of "settled", like closed by customer? Or just something less detrimental? I don't know if there's any give or take on this...

I received a call from 866-504-7548. I forgot the company name but I was told that they were filing papers with my county. If anyone has any information on this number can you please provide it. Apparently my account was sold to yet another CA and until I get the offer I am looking for, I will continue with my letters and filing with my AG. I am only paying principle, nothing else. The can go eat dirt about the fees they want to tack on- I've paid enough of those.

It makes me laugh ... I received an email solicitation from them, and it caught my eye with their advertisment which said something like "Unexpected Emergency? Home Repair? Tuition? Family Vacation?" and I was like "WHAT? Since when is a Family Vacation considered an unexpected emergency? And aren't emergencies USUALLY unexpected? What crap!

What happens if you dont get any response from a Law firm (collection agency) after sendin a cease & dessist letter with a validity of the debt? Its been 2 months since i sent the letter and have a recieved conformation from postal service..

My son-in-law just lost his job and has not found a permanent job yet. He is in construction. he and my daughter live with me because they cannot make it on their own rignt now. My daughter has been recovering from liver disease and has not worked for over a year. my son in law has been able to work odd jobs to pay for his truck payment and cell phone (needed for work). however, the only other bill they have is an unsecured loan with citi-financial and they just cannot make those payments at this time.

I am currently in a program with Superior Debt Services. They claim my credit will be restored after settlements are made with all my creditors. They have told me they actually use a third party named Vitesse Financial to handle this process. Has anyone either gone through the process with Superior or used Vitesse before? How did it turn out? Thanks

My brother ex wife and his daughter applied for a U.S. Depart. of education loan for daughter to attend college. I do not have all the details the the main detail is during the time they applied my brother was living in my house as they were separated at the time. 2 Yrs. ago Depart of Education sent bills to him so I wrote them back informing them that he was living with my husband and i due to their separation. My brother also wrote to them to let them know that he had no knowledge of the loan and that they apparently forge his signature on the loan applicatons and papers.

Has anyone used this company? www 123 Be debt free com Link deactivated per forum rules - ND

Hi, I got a debt for about 30K, and for some reason, I can not pay this in on time again so what happend if I stop paying this debt yes I know this will go default and most likely they will go to debt collector etc2 and I know most likely the debt will grow by interest late payment etc but for few year I might not able to do the debt settlement so here is my question, basically when people settle for 30% etc, this is from the latest debt which most likely is double or maybe triple their original debt, is this right ? and what happend if I keep doing nothing until I got some cash to do the

I found an older credit report of mine from 2003. (boy did it look good back then). I compared that credit report with one that I pulled the other day, (the latest one is not so good because I had to default on 4 credit cards) and I noticed that the account number for one of the OC is completely different now than it was before on the older credit report. There have been 8 or 9 different CA to purchase the debt as of todays date. I researched all of the several different CA collection letters that I received for this account and I think I found where and when the number got changed.