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will consolidating my debt and having someone negotiate my debts have a bad effect on my credit score?

Has anyone used this company debt relief Options based out of TX, any good or bad stories? are they legit?

I just got a call here at work from a Bob Barry with Lighthouse Recovery, stating that I do not call him today at the end of the day he is going to send an employment verification and send this to court, I told him that I had already paid this in full and that I am not allowed personal calls at work and hung up on him. He then proceeded to call me back 2 more times and harass me. He is an JERK, if I have ever known one. What should I do?

is there a way to get a consolidation loan that combines credit cards and student loans?

Has anyone heard of, know anything about, ever used this company? We just signed up for debt consolidation, but want to make sure they're legit. Are there better options out there? Thanks

I owe them 415.00...300.00 initial loan, plus 115.00 finance charge. I am in Texas. I closed my account a month ago and they said if I don't wire them money by Monday I will be served judgement papers and responsible for all court costs and lawyer fees. I asked if I could split it in two and the gentleman said he does not work for them, only collects on behalf of them, and he could not do that. Should I just send half anyway? Can they serve me?

Hello, I trying to build my credit score. I was told I could get a CD-Secured Loan. For example. I would give the bank guaranty bank $1100.00 dollars then borrow 90% of it. And they would report it to the credit company to help my credit limit and credit score. Well now they told me they dont report it to the credit company no more. Even if someone default on a loan. Weird. I need help. I not sure if this is the same as getting a secure credit card. But i thought it would be better because i was getting the CD from a bank. Does anyone know a bank that does this still. Im in TX.

What is an EPP

My raised-during-the-Depression-era-Dad used to always say to me: "It's not how much you saved, it's how much you spent." I'd say "But Dad, it was 50% off! How could I pass that up?!" And He'd say "Okay, but how much did you spend?" And "Did you REALLY need another pair of shoes?" (or whatever it was). And there I was, still blabbering "But it was on SALE Dad! Aren't you proud of me?" I just didn't get why he would shake his head and walk away. I never really HEARD what he was saying. Yes, I heard his words, but I sure didn't LISTEN to them.

I faxed them and sent them an email explaining that I have paid back $360.00 on a $300.00 loan and asked if there was any arrangements we could make to settle and they refused to discuss settlement. Said I owe them $300.00 and they will continue to to take out $90.00 every two weeks plus $50.00 down. Is there anyway I can push for a better settlement???