Where can I turn for true, legitimate debt solutions?

It looks as though you are a registered user and you should have been offered the choice of having a free debt consultation. In my opinion I would talk someone from here either wait for them to call you which should be within a couple of days, click on the right side of your screen to speak to someone now or call the 1-800-601-1579.

Either way you chose someone with more knowledge will be able to assist you and welcome to the board :lol: . We are all here to help each other out. Post other questions anytime someone is always here. :)

ladybug

Thanks for the response. I will check out the free consultation.

debt settlement is also an option you may want to consider.

The free consultation should give you and your husband
some direction and help. One important thing is to not let the stress tear you guys apart. Work on things together and things will get better.

I am so glad to have found this forum. This is a scary journey, and one I wish had never started. Yes, talk about stress--many days I feel consumed with all of this! Thanks to all for the advice and encouragement. Keep it coming!

Lorarvp if after your consultation you feel that won't work for for you, make sure you post again because debt settlement is another option as Lostindebt mentioned but there is alot if information pertaining to this and different pro's and con's. So let us know how it goes.

Are you current on your payments? Also, the state you live in can make some debt options more viable for you. The most important thing is your house and car. I've seen many people skip a house payment to make a credit card payment. Never pay on unsecured debt before your secured debt. You'll never lose your house if you don't pay your credit card bills.

Recently I signed up with CDS and now my file is at the Consumer Law Center. After reading these forums, I want out! They are terrible at customer service. They have only deducted one payment and I want to know how to get a refund? and kill this debt for good.

THANKS!

Most companies require a written cancellation letter. You can also contact your bank and revoke the ACH authorization. Is this is the same CLC as the following BBB link?
http://www.bbbsoutheastflorida.org/BBBWeb/Forms/Business/CompanyReportPage_Expository.aspx?CompanyID=92005568

I believe yes, but it is campos law as well. Im pretty sure they are the same, but CAMPOS has a B rating. Can I get sued by the law firm?

Lets say I cancel? is there any real legitimate companies that can help me settle? or do I pay collections?

There are 100 legitimate companies for every 1 bad egg. It's kind of like car repair places. Research, research, research. You're developing a relationship with a company that will last for years. We get a lot of clients coming in from other less-reputable or ineffective debt settlement companies.
"They are terrible at customer service." <- That is a really bad sign.
Your best bet would probably be to come to this forum and ask "Hey, whats up with ABC company? Any good?"

*edit* And I would be shocked to hear of a company suing their own client, especially a new client. :wink:

If I were to cancel? can these law firms do anything to me? Is it possible to get a refund? And If I just wanted to pay collections how do i do that?

The law firms meaning CLC or do you mean the Collector Law Firms? CLC should accept your cancelation no problem. The refund may be trickier. Many companies keep a portion of your payments for filing, processing, and whatever work they've done already. Since they've only gotten one payment, you may not get it all back. Keep calling them and it will get resolved. =) You can always file a BBB complaint if you are not satisfied in the end.

If you want to go back to paying collectors (ick!), it shouldn't be too hard to figure out who has your accounts, and unless you have sent Cease and Desists with CLC's phone number on them, I'm sure they will be calling like crazy soon.

I mean the law firms who were going to help settle the debt. I actually sent a cease and desists letter. It did stop. The debt collectors will be calling me again? I dont want to pay them back, I want to settle and just get a reputable place. Once they called my families home, it was getting too nerve wrecking.

Sorry JNICE is me LOL.

I should also mention that it takes time to do a debt settlement program. The first few months are the roughest. I don't know how CLC works, but in our company, everything kind of smoothes out after a month or two. Once you start building up settlement funds, the negotiations begin. Most of the debt settlement process is a stall tactic to give you time to build up some money.
If you want to do it yourself, there is a great resource; the "Do it yourself" link above.

My question to you is. what are the chances of it actually settling? im 6183 in one credit card. Its the calls to my family that really bothered me. I just want to get this taken care of ASAP, and i feel I do need assistance.

As far as credit card debt goes, everybody settles.
Cease and Desist letters should prevent them from calling you. They can only call friends/family to locate you one time. If anyone ever calls you at work, make sure to tell them you can't receive calls of this nature at work. They can't call back. Its the law.

Well they called 2 of my aunts, then my parents. So just as long as they know they wont call again im fine. How about letter? Can you contact me with some info?