First of all, I want to say that this site is a gift to all persons with any type of credit. These posts have answered so many questions for me and I now feel better prepared to handle my credit situation. Here's the situation. Up until fall of 2004, I had excellent credit, with a score of around 750. Then, we have a medical emergency and incur about $5000 in bills which, somehow, we are able to pay all but $450 of on time.

I have a question concerning debt consolidation and Pay Day loans. A pay day loan is extended every week or every two weeks by making a payment on the interest of the loan. Doing the minimum just extends it to the next pay period, it does nothing to reduce the amount owed. If a person has more than one pay day loan, how is it possible to roll these all into one bill, to get them paid off. The interest rates are HUGE, and are often times the choking point in a person's finances.

Hey, New to this whole thing...I've been consumed beyond belief in debt, to the point that already in my young life I am beginning to wonder if I'll ever see the light of day.

how much does your service cost? I can barely pay my bills now and do not know if I can afford your service? Thank you

what is the number that you advertise on tv?

How does debt consolidation affect my credit rating?

Pls, i would like to know your overview charges,terms and conditons over a debt settlement?

claims issued are a matter of public record and upon judgement this information will be published in the buisness and law digest? what are these? also court draft with a fake seal? I owe 600.00 to a company calld financial debt recovery. i wanna pay but i am terrified to call and listen to them yell and scream and me i had bad expierences with collections calling my mothers house and saying they were old high school friends and they were trying to get a hold of me and my mother gave them everthing. thanks

I live in Canada canI take advantage of this?

What will it cost me to file?