Rick asked:


Hi, I owe about $30,000 and I’m wondering if there are any credible credit debt programs that are credible. If so or if you were in this situation what did you do? Thanks

THINKER asked:


I see all these debt programs that help you get out of debt fast and help you only pay back half of what you owe. Which one works and really helps you?

thebuffettour asked:


As far as I can tell “debt management programs” are really just friendly faces of creditors that aren’t interested in helping you as much as they are creditors. My wife was using one when we first married and they screwed everything up. It also destroyed my wifes credit for 7 years and charged her monthly to do it!
Are there any ones that are actually out for the little guy?

Geoff K asked:


We have mortgage salespeople who aren’t working mortgages due to what’s going on in the economy. We are looking to convert them to unsecured debt consolidation programs, but aren’t looking to do the heavy lifting involved with settling this debt, but rather are looking for some reputable companies who handle all the back end, and are simply in need of fronters like what we have.

Snooks asked:


Has anyone heard if Obama’s new budget includes anything about possible programs to help cut down student loan debt or a move to lower interest rates, particularly for consolidation?

Randy C asked:


I have gotten my car paid off, Credit cards paid off and I don’t use them but I am seriously considering using a debt elimination program to help me get my school loans eliminated but I want to be wise about spending money… suggestions? I have a 30 day freee trial period and it seems good.

Russell Mania asked:


My debt is not high enough for debt settlement, so I need a debt consolidation program. Thanks.

Kemo Nosabe asked:


Suze Orman is on the CNBC late night cable program (Saturdays) from 7:00 PM to 5:00 AM, giving financial advice and offering her debt elimination solutions, John Cummuta has a program called “Transforming Debt Into Wealth” and is marketed by the Nightingale-Conant Corporation out of Chicago and The Good Sense Ministry markets a budget and debt elimination program called “Good Sense” through Christian churches around the country. They are out of Wheaton, Illinois.

They all have been around for a while, all claim very good results, and all are very well respected. In addition they are all marketed by some very sound, well recognized and reputable people in the industry. Please give me some GOOD feedback.

If you have used any of these programs, I’d be very interested in your experience, GOOD or BAD. Please be honest. No need to bad mouth any of them just give the facts as they apply to your experience. Thank you.
If YOU personally have NOT used their programs, DO NOT bother to answer.
Thank you.

Lisa J asked:


I filled out an online application for information about getting rid of debt, and I’ve heard that you can legally eliminate your debt?? I’ve know that Settlement is a good option, but not sure about Elimination. Anyone know?

asked:


how do debt settler people make peoples debts go away? who pays the money? is it fair that if someone is in debt because they made poor choices that they can get out of paying some of the money? i know not all people go into debt for that reason but a lot do…and why is it fair for the people who work hard to make all of their money and pay everything on their own? again thats not always the case… so where does the money come from for paying all that debt?