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I spent a few hours today reading old postings on this forum. I ran across many cases where people hadn't paid on their accounts (not specified if it was credit cards or payday loans though) in 6-12 months and were now looking for a settlement company to handle the old debt. How is it they were able to not pay for that long and not be sued? That is my biggest concern.

Has anyone ever been offered a hardship plan from their credit card company? If so, how long did it take for an offer to be made? IE: how many months of non-payment? I am thinking specifically about American Express so if you've experienced offers from them, I would appreciate it if you'd share the info.

I have over 20,000 in credit card debt. The fact that I am a low paid teacher in a high-rent city as well as a struggling emerging artist makes it very difficult for me to have an income that is consistently high enough to pay my credit card bills which total around $500 a month. I will also soon have to start paying off student loans which are currently in deferment. How can I consolidate my debt, reduce my interest rates and lower monthly payments.

And where are they located?

Any one ever use this company? If I live in Georgia, can I use the services they offer. It is so confusing...It looks like it is settlement. Thanks

I have a company Pinnacel\NAFS\SITEL trying to collect a $4,000 debt from me that was written off in 1990. I dont see it on my credit report. Can they still try to collect this debt, and can it still be reported to the credit bureau? They tired to collect this debt two years ago and I ignored them with no action from them. Here it is two years later and they are trying again.

Is it possible to ever gain credit again after a debt settlement? I wouldn't want credit cards again--but thinking about car loans, etc.

I am thinking about debt settlement. How long after the debt is paid will it take my credit score to recover?

how do i get started? and how long does it take to get on the program

Does anyone know of a legit and honest debt settlement co? I am in Tn. but not sure it matters what state the debt settlement co. is in. I was in a program with National Debt Resolution and they are ripoff, they did nothing they said they would.