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Help, I am in over my head! I am not behind in payments yet, but I am looking for advice. I need to consolidate three cards, Visa, Discover and MasterCard (about $25,000) to one payment at a lower rate. What is the best way to do this. Good news is I have a second house that is almost ready to go on the market for sale, bad news is the market sucks right now. I have been getting by making two house payments with good credit for almost a year now. If the market was better, (I owe $152,000 and tax value is $204,000) I would have enough in the property to pay off this debt.

Anyone know if it's better to try and settle before a charge off? What's the difference?

I am considering going the "do it yourself" route for settlement. My debt is about $35000. My questions are; when the creditors start calling do you tell them you are saving for a settlement or do you just tell them you are out of work and can't pay. Also, the only asset I have is a house; will that be something they would look at to sue me for? Thanks for any advice.

i have signed up and i can't remember my password..i put in my information and it says it will send a temporary password to my email and i never receive it! any ideas how i can log in? thanks

Out of Indy

From: "mary_10003clement@*****.co.jp" Subject: FROM MISS MARY X-Originating-IP: [203.216.249.202] To: [email]mary_10003clement@****.co.jp[/email] Reply-to: [email]mary_10001clement2000@*****.co.jp[/email] Message-id: <20080630182634> Dearest One, Based on your profile, the trust and God's divine guidance that I have this great oppoutunity linking up to you, though we have not meet before but I believe that one have to risk in confiding his secret to succeed sometimes in life. My name is Miss Mary Clement, a 22 years old undergraduate.I am only daughter of chief/Mrs John

Okay, I am sooooo glad I found this place. I already feel relieved. I've been reading tons of posts and I feel like this is where I belong. Three of these are my husband's loans but of course I'm the one stuck with trying to figure a way out of this mess. :( My husband very recently got laid off and had to take another job that pays quite a bit less and we're just in over our heads to say the least.

Is there a company that can assist me paying off this amount?

We have spoken with Care One credit counseling to setup a debt settlement program. Any advice?

Hi I was involved in an auto accident in June 2007 in New Mexico. I had Geico insurance. They appointed an attorney for me. Geico was sued and we lost the Court Case. The plaintiff was awarded $12K. Now this civil judgement is appearing in the Public Record section of my CR's. It does not show the judgement was paid in full (by Geico), it only shows what the plaintiff was awarded. 1- Is this hurting my Credit Score? 2. Should this appear on my Credit Reports when it was Geico who lost the case (albeit in defense of me)? 3.