Need a letter to send out for debt owed to be that court agreed upon settling.

Have about $45k of CC debt on mostly Chase consumer cards, a few Citi consumer, one Amex consumer, and two business (Chase and Amex). Credit score is mid 600s due to high utilization. Stopped using all cards back in January and have been making minimum payments until last month when I was finally able to start an avalanche. I'm considering a DMP because of the promise of lower total interest payments. Does anyone have any recent (within the past 12 months) experience being on a DMP with Chase, Citi, and/or Amex as creditors? What got reported on your credit report?

Is it safe to disclose one's financial matters withi a settlement or consolidation company? Is there any assurance that they won't leak the information to the creditors?

Will it be a problem to clear security clearance if I file bankruptcy?

What do you include as proof that those items listed on you credit report are not yours?

If the court gives order to garnish wages, can the debtor ask for a few months after which the garnishment will come into effect?

I have surrendered my home in bankruptcy. But I'm still getting calls from the municipality for the property taxes. I have told them that I have surrendered it. Still they are threatening to damage it. What to do?

I live in Florida and have several payday loans, on is with Big Picture Loan, AWL, Spot Loan are these legal loans in Florida? Big Picture Loan keeps changing the amount I owe them it went from 1100, 3500, now they are trying to say I owe over 10000. AWL I have paid them 2200 for a $700 loan and they say I still owe over 465. I have stop the ACH but what do I do now? Thank you for your time.

After qualifying for a loan with a specific T&C, how long does the offer stay valid?

Is it possible to continue using a credit card when enrolled in a settlement plan?