Help me become debt free and have excellent credit.

I have a question regarding the debt consolidation calculator that is available here. When I put in my numbers and it states that my debt can be reduced by 40-60%, is this for a starting point of beginning to pay off my bills...or is this the actual savings after everything is done with? For instance...if you have 40,000 and the calculator shows that it will be reduced by 40% (16,000), does that mean that you will start the consolidation process at 24,000 and go from there? I am not sure if I am explaining that correctly, but I hope so. Thanks.

High interest credit cards are the main problem. They were fine until I was late a few days once on my two highest credit limit cards. They doubled the interest and refuse to lower it even though I have made over 6 months of consecutive on-time payments. I can't transfer the balances because other companies already see I have many revolving accounts and will not give me high enough credit limits to do so. Please help. Felicia

Company/Individual reported: midland credit management I tried to get a current address from this company and they would not devulge. I used the one I found on this site. The letter was returned for wrong address. Help, do you have a current address for MCM.

Has anybody had a PDL thru Sonic that t&c was able to work out a payment plan for ?

Ok, so I've had several million calls from MTM Ventures about a payday loan that I didn't pay. I paid some of it and got calls from Taylor, James & Assoc. and MTM themselves and now today I get a call from a guy who claims he's from Monster Wallet. When I look up Monter wallet with the BBB it comes up as MTM Ventures. He told me the debt could only be paid by Money Gram payable to: Smith, Haynes, & Watson. These are supposedly attorneys. Does anyone know what the deal is?

Hi all... came across the site. Currently I'm freaking out, I have three PDLs, one from GFSIL for $200, one from Whistler Holdings/Xpress Cash for $300 and another from a company I haven't seen much about called ASAP Processing for $250. I caved in a couple months ago and got the payday loans one after another when I felt like I had no choice (pretty cliche, huh?) following a surgery that I had.

I got a call today from Creditors Exchange collection agency, claiming we close to having a judgment against us, like tomorrow. There's nothing I can do but pay the $11G right this minute to avoid further charges. After speaking with husband, we believed we closed all of our chase credit cards and are not aware of more out there. This could be a case of identify theft. Can I ask for a validation? And will that stop any judgements that might be pending? Thank you very new at this and sick to my stomach

i am being debited and cannot find the source..anyone have any inof on this virus er PDL company.:)

Can anybody help me get a copy or a sample of a harship letter. I need one to send to all my pdl. Thanks in advance.