I have been looking at some of the posts and everybody seems friendly and helpful. :D I need help. I am considering debt consolidation but am in a whole new world here. Credit cards are my problem. I have cut them all up and don't use them but the damage is done. I am not "behind". Just payments are too high. Any suggestions on good companies?

It seems like so long ago now when I look back but it has been a long time. I turned 39 this March and really things did start about 20 years ago. I guess I always did have a big heart wanting to make people happy and that started a lot of my trouble. I grew up on a dairy farm and was working and making money from the time I was 13 and had bought and paid for my own car(73 chevelle back in 1983)and of course being a person with a car and cash always made me popular if not for the right reasons.

Wow, there seems to be massive amount of information out there regarding debt consolidation. I'm actually a recent college graduate and I just can not handle the amount of credit card payment/loans that I have to make. What is a good debt consolidation company that you would recommend? There seems to be a lot of scams out there and I'm just worried since I really do not know ANYTHING about debt consolidation. Thank you very much for all your help!

I just recently did a debt settlement and has not been processed completely yet. What if I now have a career and my equity level is much better? Will the settlement offer still apply? Or will I have to pay the full amount of my debt? Is it also really bad credit to do this?

Found a great site for listing of 800 numbers for collection agencies internettollfree.com Go to Index and than click on Collection Agencies "Pages of Agencies with 800 numbers"

I really don't get into my horiscope and all that...But this was interesting today. I always read these at the end of the night, just to see if it came true...Or if I should have done something differently...lol Scorpio - Don't gamble away your resources, dear Scorpio. Take the safest route. There is a great deal of force out there encouraging you to act, but beware of adopting too stubborn of an attitude. This will only succeed in alienating you from the very people you rely on for support. Maintain a strong and healthy balance between old and new.

Can someone be my best friend and help me identify these numbers? 1-866-266-6600 1-866-313-1216 1-321-281-3655 Says JNS Design Group...Not a local number, sounds weird...Maybe a fake name... 1-800-477-1827 These were all on the caller ID when I got home.

Has anyone heard of Rotlan, Weinberg, and Reed?? I'm not sure if they are a collection agency, or attorneys. Sounds like a law firm, but ya never know. For the past two days they have left a generic message on my answering machine requesting a call back. They don't say who they are in the message. I only know because I called the 1-800 number after hours to see if an answering service could identify them. I'm not sure of the spelling. Could be something close to Rotlan, Weinberg, and Reed. I've tried to look them up on the net, bbb site etc.

Well it's been over 2 months I've been on CCCS/MMI consolidation program. I do not find them very efficient but I'd like to hear from other people who use other ones like T&C. Please feel free to comment: 1. Most of the payday loan accounts show as pending meaning they have not replied to the proposal yet but they are cashing the monthly payments. 2. For the first time, in my Experian report there is a collection item related to All Star Cash Advance. the name of the CA is Jefferson Capital System.

Hello all, I have posted a couple of time, but tonight I am still shaking from the call I answered. I don't understand why the rudeness, the hateful tone, and the talking not allowing me to say anything. I recieved a call from ACS 800-220-0605 215-320-0424 (per caller ID). This has been on my caller ID for about two weeks, with message for a return call regarding the letter they have mailed. I just happen to be home tonight when they called, so I answered.... MISTAKE.