megz904 asked: We are not looking for loans or banks…. and would prefer if the answers came from people that actually used a debt negotiation service.
Please answer if you have used a debt settlement firm…

Laura P asked: i read that if you saved more than $800, or something like that, with debt negotiation, that it gets reported to the IRS and youre liable for paying taxes on it. is this true? if it is, whats the benefit, then, of doing the negotiation if youre going to have to pay [...]

Tammy asked: I signed up for debt negotiation on some credit card debt. I have payed my current mortgage religiuosly for two years and would like to sell my house and move but am scared that I will not get another mortgage when I move. Thanks.

tonysandiego asked: any reliable companies you know of?

Freshair asked: I have spoken to one of these companies who has advised they will be able to negotiate my debt down to approx. 40% of original debt. There has been a major event in my life that does not allow me to continue normal payments. I would prefer not to file for bankrupt.

vans asked: Any referals of companies that have worked for you? any impartial websites that rate the companies?

ttmonique2004 asked: I have charge-off and collection accounts listed on my credit report that I am willing to pay, but I want to send letters to each creditor so that they can agree.

boxbeatle asked: After almost 2 years of paying Consumer Credit Counselors in a debt managment plan, we will no longer be able to meet their required monthly payment amount. I believe my best option is to stop paying credit card debt to them, pay my property taxes (they are behind) and essentials, and [...]

gkowal1 asked: I’m currently in a debt consolidation program but it’s not helping me at all with my debt. They charge me $40 a month just for their services and my debts are still the same as when I first started the program 6 months ago. Help me please!!

Roderick C asked: There has been considerable debate between two specific debt reducing options: debt consolidation and debt settlement (negotiation). I’m trying to decide which is the best option to select if one wants to reduce their financial debt (specifically credit card debt). I’m sure there’s pros and cons to both options, however [...]