robinson.marina25 asked: WORKS???

clubberz1951 asked: After a divorce, my debts with credit card companies, especially with new increased minimum payments are unachieveable, and I’m looking for relief – these companies claim that,for a fee, 15% of the negotiated total = typically 50 – 60% of the original balance, they will negotiate with the credit card companies and you [...]

mjwolf53 asked: I don’t understand how something that was potentially income for the creditor can suddeny count against the debtor, especially when a percentage of it was interest, anyway.

Want To Cook asked: My friend is worried that if I choose Debt Negotiation/ go with a Credit Counseling Service, that when it is noted on my Credit Report as “in negotiation” that creditors from here on out will view it the same as if I had filed for a Ch 7 bankruptcy? Any truth? [...]

tulsantide12 asked: After my graduation I had 12000 dollars in creditcard bills last year //Due to lack of a proper job I went behind payments for 4 5 months and it wnet to colections .. to avoid the harassing calls i joined one of the debt negotiation programs..I payed of only 3000 worth so far [...]

Keninho asked: I’m about to negotiate with a collector on a debt. I want to either make monthly payments or a reduced lump sum. What’s the best thing to say to the collector (without blatant lying) that’ll make the collector more agreeable? Also, what is the best time of the week or day to call?

Bob M asked: I’m so worried about getting screwed by an incompetent company. Also, I checked with Debtmerica and they’re trying to charge me a 15% fee to do the debt negotiation. I’ve checked with a few other places too and somebody recommended going with an attorney-based debt settlement company to get better results. Any [...]

D. G asked: I’ve been going deeper in debt because of not having a job and paying for courses that will allow me to start a new career. I just heard an advertisement about a company that states it can have your tax debt reduced by up to 85%. I’ve also been contacted by companies [...]

E u g e asked: I have collection ($3000 rent 2004) and late payments on my file.

momof4ntn asked: I am wanting to write a letter to some quick loan companies that I owe money to. I am wanting to try and negotiate a settlement. I am currently several months behind on my payments and I am going to have to file bankruptcy if I cannot work out something with some of [...]