debt over the limit amount

Hello glennwsd, and welcome to the forum. First thing take a deep breath and relax. If this makes you feel any better ....I have been in default on about $36,000+ now for quite a while in student loans...and no-one has eaten me or arrested me yet. Trust me you have come to the right place. Since I came here I have found the answers to get my problems solved. The first thing is to get you to the right forum. Now I hope this link will get you started,

http://www.debtconsolidationcare.com/credit-repair/index.html

There are some very expert people here and they can help you. So try to relax ... it's not quite as bad as it seems. When you visit the link above please give them a little more specific details..such as how much debt and to whom you owe it. Please know that you can get help here...and there is a way out!
Best Wishes

It seems like you need some professional help in catching up on your payments. How much is your total debt?

Do you have a job at this time? It will be easier for you in making the payments. A counselor referred from this website will be calling to discuss your options and negotiate with your creditors. He will fix up an easy plan with your creditors.

if i make settlement with credit card company for 30% ,do i need it in writing,if they have agreeded on phone can i trust them to honor phone agreememt?

No, you need to be on the safer side and have a proof of the settlement in writing. This proof will be useful in case there's a dispute with the company later.

if i make settlement with credit card company for 30% ,do i need it in writing,if they have agreeded on phone can i trust them to honor phone agreememt?
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any settlement must be in writing before you give them money... do not give them access to your bank accounts... and do not send post dated checks.

these people lie and break federal law daily... they will clean your account out if you give them a chance.

thank you,i called they are sending settlement letter,they already have my account info to draw money on june 15th,if i dont get letter before that ill close account,thanks again