collection agency (recovery systems) offer me a settlement told them that I could'nt afford it now said if I didn't pay in 2 days would turn over to lawyers and take me to court. Can they?

If I move to France from the UK, and have debts, can they chase me into this country?? Regards

Do i have to pay any fees when i sign up with you guys?

Will all credit card companies agree to this? I don't understand how they get their money. I'm not sure I understand how this works.

I have over 15,ooo in debt. Is there an honest way to start paying this without all of the late fees i keep paying because i am so far behind. My credit score has dropped so far i am afraid that when my wife and i are ready to buy a home in the next 5 years we will be denied. What to do?

I do pay my bills on time and thought this was supposed to buy me imunity from collection agencies. This illusion was shattered recently when I received a letter from a junk debt buying collection agency welcoming me as a new client.

NEED EMAIL ADDRESS FOR VIKING COLLECTION SERVICE INC.OR PASS MY PHONE NO. (507)264 8564 TO VIKING.ACCT.#U05742

I would like to get started consolidate my debt as soon as I can. When is the earliest that I can start if I call to speak to someone today? Should I start paying my monthly bills for this upcoming month, or should I wait until my consolidation is started. I don't want to be late, as I am never late with any bills. Should I continue paying as I have been, until the consolidation is under way? Loren

does it goes against my credit report to go through a credit/debt consolidator?

i have had one ing the past