Good Reputable Companies

Why not study up and do the settlement yourself? You will save yourself a ton of money.

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Dont kid yourself that a debt settlement company is going to be by your side in court.

Really you stand as much chance of getting sued with a debt settlement company as without

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The debt settlement company wont have the funds either and the creditors know you are paying them a fee...IMHO you are less likely to be sued if you are doing it yourself.

Thanks for the info and advice soaplady. I reside in TN so will have to check laws around here reguarding some of this stuff. I will definately give it a go by myself. Should I call the companies and just tell them about my harship and offer a settlement? I had a settlement offer on one of them from GE Money through Encore at %45 I think it was but I coulds pay the four payments at that but they would not give it to me in writing as I might have been able to borrow the money from family or something. One CC HSBC offered a settlement when they still held the account and after it was charged off Mecantile got it and is collecting for main street aquisition comp and they offered double what the original offer from HSBC was.

i wish one of these debt collectors nationwide making headlines lately for threatening to beat up people, kill people, blow up people's homes w/families inside, etc. would come pay ME a visit, then see how fast the company they represent find themselves planning for an office funeral. many are gonna be begging to get out of the business.

it's long past due time that the shoe must now go on the other foot and the more these abusive practices are publicized, it's only a matter of time before it will.

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