After reading stuff all over the web, looks like the settlement companies collect your money until the whole settlement amount is in the bank account and after that they'll pay? Did I understood this correctly? And all this time the late fees and over limit fees are accumulating?

Hello everyone, I was recommended to use Superior debt services for my debt. Unless I am at the wrong web site they appear to be a settlement place. My only concern with that is me piling money into them while they wait for a response from a creditor. Those same creditors are still going to be calling hassling me. How long can this take and will I still be paying my creditor while this is going on? That seems to defeat the purpose. Also, has anyone used debtwave? Are they the same way? Just looking for the best place to get started with relief and fewer phone calls.

Has anyone dealt with these guys? They're always very rude, and have continually called me at work ove and over despite the fact that I have told them they are NOT to call me at work. We finally started telling them i wasn't there and they have stopped so far. The man i spoke with at ERC was always very rude to me and belittled me. Just curious if they're doing this to others also.

Hi all We have a small update for you. We are thankful to Polly for suggesting us about having the website SSL encrypted. For ensuring the safety and confidentiality in the website, we now have 'https://www.debtconsolidationcare.com/' verified by the Verisign, Inc. They have provided us the certificate authority you will trust while browsing through the website.

Hi there, I am new to this forem, and have read many, many posts and gone to the state and FTC websites mention here, and yet I am still really confused! My story...I got a credit card in Oregon in 1997 and ended up moving to Florida in 2000. My payment history was great until I lost my job and quit making pmts 9/2001. Then after being "hunted down" by an violent ex, I moved to Washington state in 2002 and have had a confidential address with the Attorney General. I am currently self employed barely making ends meet.

I am trying to find the address to American Express for their Business Management Account. If anyone knows it or knows where I can find it I would appreciate it. Mike

This is EdB by the way, I never got my login information so I signed up again. I got a phone call today from a CCI incorporated. They apearently have one of our debts. I could find nothing about this place on the web. He called himself a debt mediator or something like that and said he had my Social Security number on hold, or red. And that meant he could take money from my paycheck. He was willing to settle the debt for $300 less then the amount if we paid now. Anyone ever heard of this company? The number is 866-471-7100. To me this sounds completely fishy.

Hello, I have past debt from one credit card that had an original balance of 500 dollars but since i have not paid it in months probably a year it is now grown to be 1450 dollars, also i owe money to my cable company adelphia that is around 700 dollars and i have an old cell phone with verizon that i owe close to 900 dollars with i make enough money but all of them are either in collection agency hands or soon to be past that. My job makes 1200 dollars a month and i have an allowance of 1500 dollars a month i would like to consolidate it all and just make one payment a month

I have read and reread the Florida Usury Laws that Pollyandsay sent to me, and I am so CONFUSED. Could someone please in simple language tell me what all this means. I am just so overwelmed right now. Her are the laws: Quote:

The 2006 Florida Statutes CHAPTER 687 INTEREST AND USURY; LENDING PRACTICES 687.01 Rate of interest in absence of contract. 687.02 "Usurious contracts" defined. 687.03 "Unlawful rates of interest" defined; proviso. 687.0303 "Line of credit" defined. 687.0304 Credit agreements.   Do You Need To Hire An Attorney To Settle Your Debt anonymous 18 years 11 months ago If you are having debt problems, you may fee overwhelmed and powerless. During periods of financial hardship, you may not have the resources to pay pressing debts, to meet family needs, and to get legal help. You may feel helpless to fight debt collectors pressing you for payment or threatening to seize your home, car, or other possessions. We will help you make he best choices possible despite difficult financial circumstances.