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I really appreciate the input provided through this community. Have learned a lot quickly - thanks. I have several credit card accounts that are 30-60 late and want to avoid any further delinquency. After reading both sides via this forum, think I'd prefer to work with a trusted settlement company rather than try to do this myself.

I came across this Squidoo Site the other day. You should read it before joining a debt settlement program. squidoo.com/DebtSettlementScams

I paid off one of my husbands accounts which was in collections last year, I settled with the agency and they sent a letter stating "Upon receipt and clearance of the settlement amount, there will remain no further outstanding obligations pertaining to the account" Although the debt from the collection agency has disappeared from my husbands credit report the original creditor has not updated the information and it remains KD on his credit report. I called the collection agency asking them to send a letter stating that the account had been paid and was closed and I'm still waiting on it.

just an FYI.there was a spammer named clara jones. on or around the 3rd of this month.trolling for loan business.well she is back.anyone new to this site know we don't accept or endorse this. thanks.

Well I'm young and have had some really rough patches in my life since I turned 18.. as a result my credit went down the toilet, but I've been spending the past year and a half digging me out of the hole and am basically debt free. My credit horrendous; only ONE credit card was "bad" (a store charge with a $150 limit at that), but I have bad markings from an old cell phone bill and some utilities. Now my question is, what's the next step? What can I do to get myself into good standing? How about credit cards for people with bad credit?? Any suggestions as to what kind??

I don't wanna know, do I?

OK, y'all. So you happen to be looking for a loan, and suddenly a guest on the site tips you to a great lender. Loans on bad credit, with a super-low interest rate. And they're not even a scam outfit. Oh, happy day! This could be the sweetheart deal you've been looking for..... Waitadamnminutehere!.....

OK, y'all. So you happen to be looking for a loan, and suddenly a guest on the site tips you to a great lender. Loans on bad credit, with a super-low interest rate. And they're not even a scam outfit. Oh, happy day! This could be the sweetheart deal you've been looking for..... Waitadamnminutehere!.....

:cry: Is this legal?? I don't have them in my possession yet but my neighbors called me and told me that the house next door (my old address...moved March 1st) which they just bought had a summons from capital one to call the court within 21 days. Is this legal? I just sent in my change of address to post office and am going to change it on my license in couple days. Any advice??~Angie~

Well not really but I feel like it! My income has been reduced by 30k this year due to my hubby being unemployed. He will return to work in July. Anyway, I was handling the bills just fine until my overtime got cut out and then Christmas rolled around and it's just been down hill since. I'm trying to re-fi my home right now because that payment is adjusting and going up $120/month. I also have a couple of unsecured debts. One is like $10K the other is arounf $3K. I'm amking the payments on the 3k loan b/c my credit union has it where it comes out of my check when my direct dep comes in.