Harmon B asked:


Has anyone delt with SDSWest and if so, were you satisfied? Pros/Cons? Thanks

CLK8 asked:


Do you know anything about noteworld or sdswest?

Vita Privata asked:


I have done it once with dept consolidation program, but it appeared on my credit and totaly ruined it. Now i got a letter from other “not “consolitaional program, but debt mediation… I dont trust any of them, but I really need help in reducing my debts.

YO Mama asked:


Do the debt collectors normally allow you to call the office and make a payment plan? I’m just now getting finances in order. Will I have to pay the lawyer fees for the other party? How much are those? Will my father be allowed to be my representation? This will occur on my fourth day of school and I don’t want to miss school. He’d easily be able to settle this for me. I can use all the help I can get.

marcus_81_2k asked:


I have some credit card debt and am considering CMS with Brad Daley. The website is:

http://www.eliminatedebtamerica.com/

I have only spoken to a representative once briefly but everything sounds legitimate, as does the XM Radio testimonials.

sratletico asked:


Hi, I’m hoping I can get a good advice about my situation I have here. I myself and my wife got into a financial situation when we received our first baby in 6/ 2005. Ever since then our money got really tight that we couldn’t come up with the money to pay any of our credit cards bills we had. Then creditor jack up the interest to 32% and impossible to pay the the minimal, so we stop paying all together and focus taking care of our other bills such as baby bills, food, car insurance, water, phone, car payments and home mortgage.
I have call a debt consolidation about the situation but the payment they were asking for was way too high for us to even come up with the amount to pay, plus put us upside on our other bills.
But what I need to know since a debt collector gave us a summon for the amount of $2499. Can I present all my bills to court and show that we have no spare income to give them to pay the debt collector off. I don’t want to be out in the street with my family due to deal
The problem I have is I have no way to pay any amount since we are slightly upside down on bills. What going to happen to the other credit card I have that I can’t pay as well. I’ll prolly get summon for those soon. I want to bankrupt all these bills, but again I have no fund to do it.

marcus_81_2k asked:


I have some credit card debt and am considering CMS with Brad Daley. The website is:

http://www.eliminatedebtamerica.com/

I have only spoken to a representative once briefly but everything sounds legitimate, as does the XM Radio testimonials.

sratletico asked:


Hi, I’m hoping I can get a good advice about my situation I have here. I myself and my wife got into a financial situation when we received our first baby in 6/ 2005. Ever since then our money got really tight that we couldn’t come up with the money to pay any of our credit cards bills we had. Then creditor jack up the interest to 32% and impossible to pay the the minimal, so we stop paying all together and focus taking care of our other bills such as baby bills, food, car insurance, water, phone, car payments and home mortgage.
I have call a debt consolidation about the situation but the payment they were asking for was way too high for us to even come up with the amount to pay, plus put us upside on our other bills.
But what I need to know since a debt collector gave us a summon for the amount of $2499. Can I present all my bills to court and show that we have no spare income to give them to pay the debt collector off. I don’t want to be out in the street with my family due to deal
The problem I have is I have no way to pay any amount since we are slightly upside down on bills. What going to happen to the other credit card I have that I can’t pay as well. I’ll prolly get summon for those soon. I want to bankrupt all these bills, but again I have no fund to do it.

Question Queen Y!A veteran asked:


Discover Card wants to sue me for 3-yr. old debt that I wan’t able to afford to pay off because of Hurricane Katrina back in 2005. That’s when I had trouble paying off my debts & trying to find a job. I am STILL financially struggling. 1 debt collector called me a few weeks ago, yelling @ me & trying to say Hurricane Katrina was my fault. (I know it wasn’t my fault). I receive SSI & Social Security. Before Katrina, I was paying ALL my credit card bills ON time for a whole year. I was financially secure. Ever since Katrina, no one wants to hire me on a job because of my Tourette’s & other disabilities. Debt collectors don’t care about my situation. I’m WILLING to find (2) jobs if I have to. I’m willing to work & pay them off. But I’m stuck on a fixed income, & I’m very afraid of losing my gov’t. & health benefits.

What should I do? They didn’t give me a specific date, but they gave me a civil suit #.

I don’t have a car, I don’t have a way to get to court. It’s far away. & I have no money. I can’t afford a taxi. I live here in Texas.

A non-attorney mediation law firm just sent me this letter, offering to mediate & be my power of attorney, & they want to charge me $$, but they can’t defend me in court. Neither Discover Card nor any courts have contacted me, regarding this possible court date. This is the 1st time I’m OFFICIALLY notified of a lawsuit that’s coming up soon.

***Maybe you can help me out here. I asked in the Law & Ethics category, but didn’t get a good answer.

Josh F asked:


I bought a boat, and for financing they set me up with the boat’s financing company with a revolving credit account. If I am unable to pay on that account, will they repossess the boat? Or moreso, if I go to debt mediation, can I get a settlement amount and then pay that off and keep the boat?