Does debt settlement damage your credit like bankruptcy?

I am trying to assist my elderly parents with their unmanagible debt. How does debt consolidation work and can I handle the details for them?

I have been with Miracle Management for over 1 year and seem to have similar problems as others I am in the State of Illinois What can I do???

I need help. Today my wages were garnished. According to my employer they were garnished by an apartment complex that I lived in 10 years ago. I have never been notified that I owe this amount and never notified that I was being taken to court for garnishments. What can I do to have this corrected? Not only has this been 10 years but I was never notified that this was going to happen. Is there a statute of limitations on something like this. This is an apartment that I moved out of in 1994 and I was never notified that I owe anything. What can I do?

I have got about 7 payday loans, Only 1 has gone into default but these companies are taking more then half my paycheck in interest. I have been told that I could be charged with Fraud, that I can be arrested and sued, but I can't afford to have them do this anymore. Should I stop having my direct deposit go in so they stop taking this out, and when that happens I know I will be bombarded with phone calls, not just to me but to my references I needed for them and to my work as well.

I have eight loans, in collections, collectors threatening to take me to court etc. I am scared to death. I tried this service, they called me back after I filled out the form and they said they could not help me. I have seen people post about being referred to someon who can help, they did not just said they cant help and that was that, please any ideas?

Is it possible to get charge off's removed from your credit report. I paid one collection agency in full and the other I didn't pay yet. On the second one, is it worth for me to call the original creditor and try to pay them direct and see if the charge off can be removed? Or is it too late since they already went a collection agaency? *note* they are both consumebr cards which are the most negotiable/lenient Any comments appreciated!!!!

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Regards, Vikas

Can someone please help me with how I can consolidate these payday loans. Is there a company out there that can help

what is the best way to recop lost wages?