I know some of you have had good and bad experiences with debt settlement. I think my wife needs to take this step (the accounts are in her name). So who are the good companies and who are the bad ones?

ok after meeting with several lawyers it seems my only conclusion is to do bankruptcy... i have a little over 17k in cc debt without interest as of now... i havent made a payment on them in over 4yrs, and one case is set for court in a week from now, then the collection agency says they have another case pending against me for another one of my old accounts,, thus totaling a little of 10k and the rest i have never heard form anyone as of yet..

I have overextended myself financially. My current loan/credit crad payments are barely covered by my monthly income.

I just received a wierd phone call at work for somoene claiming to be from this law office asking for my HR dept for a "job performance report" on me for "payday2go", which I know is an IPDL that I have. I just hung up on them instead. A few weeks ago I got a call from First Credit of America in regards to the same loan, which is a collection agency that refused to validate the loan in writing when I requested that. Has anyone ever dealt with any of this before?

I am still managing to meet my monthly payments just about! I have not yet defaulted on any payments will this prevent me taking out debt management?

Dear Madam Sir / Sir, I lost my job and I am looking for a new one. What is your best advice and recommendations to consolidate my debt status around $5000? Thanks

I am in the process of sending validation letters to Platium B. Services along with ones for Westbury Ventures. I have an address for WBV but I'm in need of one for Plat B Services. If I dont find an address for Plat B. Services and just go ahead and send the letters to Westbury Ventures would that be OK or should I keep searching and find it to BOTH? All I'm getting from previous posts are just a number. No luck on an address. Ball is rolling :D

I have one IPDL i want to try to settle (to email them a letter before this Friday's renewal comes out of my account). It was for a $300 loan and I have paid thus far 360.00 on the renewals. Come this Friday I would have paid $500.00 on renewal costs. Per MASS laws, the cap is 23% on the small loan rate. Do you think I will be okay to send them a lttr to PIF now with only paying them back the 360.00 or should i wait until they take out my renewal on Friday? Your thoughts? Just trying to clean it all up and with you help i am .. thank you VERY VERY MUCH!

First let me give a breakdown: $10,500 in medical debt $610 in old bills $6,400 in old credit cards $24,000 in car debt $3000 behind in rent(not in collection/rent from friend) My wife and I are trying to get ourselves in good financial shape. I have heard that using a debt consolidation program can affect your credit badly. Sometimes worse than a bankruptcy. Is this true? I can't get a loan to help with any of this. I am getting a decent income tax check, around $5,000. I don't know what to do with it.

I am interested in the benefits of debt consolidation. We have a significant amount of debt and though we make our monthly payments, I feel overwhelmed by the entire situation. What, if any, fees are associated with visited a Debt Consolidation Center in my area? Also, how does doing such affect your credit rating and or future homebuying, etc.?? I really would like help with this and look forward to your reply. Thanks.