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Hi, this is another common sense question, but I haven't seen it addressed yet. So, I am hearing that the best time to settle is in between 120-180 days late (4-6 months). My question is that most companies and information I have seen says it takes 1-2 years to settle debt. Is this because you do one or two credit cards at a time? If so, how do you choose which card to do first and if you are paying the minimum payments on cards you are not targeting, how do you have the ultimate sum to bargain with. I am obviously missing a key point in debt settlement.

Hi everyone, I still haven't found the search button (so sorry if I am repeating old threads & please direct me to it if you know where it is). HOWEVER, I am starting major research on DIY debt settlement. I am having some trouble understanding about Form 982. I believe it is when your debt outweighs your assets you don't have to pay taxes on the part that outweighs it, but I am not sure. Also, I am obviously very ignorant, but assets include what exactly? I am 21 years old and so is my husband. we rent our house and we own two old cars. We have $20,000 unsecured debt.

Hi, I feel silly asking this, and I don't see an appropriate section to write it in.....but, how do I search the forums? I can't find the button.

3500 credit card debt, 35000 income, best way to get rid of debt, at 3.99 fixed - 1500, and the rest soon to be at 9.99 percent

I took out loan with CASH TODAY LIMITED (WHICH I REGRET)!! I was told to speak with Dan Craddock who is the director. Does anybody have a DIRECT line for him???

I live at an overseas military base and I would like to get a loan to consolidate. Could you point me to some places online I could apply that takes applications to APO, AE addresses?

I've somehow managed to stay afloat for a year (though I haven't had any extra money for clothes, furniture, etc) renewing several loans over and over...or paying them off and having to take them out again. At the moment, the (cuss word) has hit the fan. My gas has been shut off, my rent is two weeks late, and my car payment is a month late. I inquired about Chapter 7 today with an attorney and I don't have enough actual debt to do that, despite the fact that a $500 payday loan can turn into a $5000 in debt over time.

I asked the post office and they wouldn't tell me. Does each company that has pre-paid postage each use a different permit number? Does anyone have any mail from arrow financial and if they do does it have a permit number of #605? I am trying to figure out if it was them who sent a letter to me cause I don't know. I know for sure it wasn't the company listed on the letter because it's 1,000 miles away.

Since there seemed to be a problem with the last voting let's suggest here what we think might be able to fix the situation. I am not a fan of the thumbs down vote. I think it should be done away with. I think that one person should not be able to vote for more than three answers and those three votes should not be able to be applied to just one answer. Guest persona's should not be allowed a vote.